View 2011 Dodge Nitro Car Insurance Quotes

Want lower insurance coverage rates for your Dodge Nitro? Wish you could get out of overpriced insurance coverage? It’s a common feeling and many consumers are in the same pinch. Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare insurance companies and uncover the absolute lowest rate possible.

If you have a current insurance coverage policy or are just looking to switch companies, you can learn to find the best rates and possibly find even better coverage. Finding the best rates is not that difficult. Vehicle owners just need to learn the tricks to compare company rates over the internet.

These discounts can lower car insurance rates

Car insurance can be pricey, but there could be significant discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you purchase, but some need to be manually applied before being credited.

  • Homeowners Discount – Simply owning a home can save you money since home ownership is proof of financial responsibility.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Clubs and Organizations – Being in certain professional organizations can get you a small discount when shopping for car insurance.
  • Policy Bundle Discount – If you combine your homeowners and auto policies and insure them both with the same insurance company you may earn up to 20% and get you low cost auto insurance.
  • Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.

Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

To see providers that have a full spectrum of discounts, click this link.

How to get free insurance coverage quotes online

The majority of larger companies allow consumers to get coverage price quotes direct online. The process doesn’t take a lot of time as you simply type in the coverages you want into a form. Upon sending the form, their quoting system sends out for your driving record and credit report and provides a quote based on these and other factors. Quoting online helps simplify price comparisons, but the work required to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you want to find the best price possible.

Isn’t there an easier way to compare rates?

The smarter way to lower your insurance coverage bill uses one form to get prices from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes online quotes much simpler. Immediately after submitting the form, your coverage is rated and you can select any one of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process can be completed in a matter of minutes and may result in a nice savings.

To save time and use this form to compare rates, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy coverages and limits just like they are on your policy. Doing this assures you will get an apples-to-apples comparison for exact coverage.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs might need professional guidance.

  • Do I have coverage if my license is suspended?
  • What are the best liability limits?
  • How high should my uninsured/underinsured coverage be in my state?
  • How high should deductibles be on a 2011 Dodge Nitro?
  • Where can I get insurance after a DUI in my state?
  • Is extra glass coverage worth it?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverage specifics

Having a good grasp of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Collision insurance

This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, colliding with a tree, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like X-ray expenses, doctor visits and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive insurance

This covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a deer and theft. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, structural damage and medical expenses. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Buy Smart and Save

We’ve covered many ways to compare 2011 Dodge Nitro insurance rates online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest priced insurance coverage comes from a lesser-known regional company. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you quote auto insurance, make sure you don’t reduce needed coverages to save money. There are many occasions where someone dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. The goal is to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

Some insurance companies do not provide rates over the internet regional insurance providers provide coverage only through independent insurance agencies. More affordable insurance coverage is possible online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from.

Additional information can be found on the following sites:

Comments About 2011 Dodge Nitro Insurance

  1. Ava Bond

    Proud to be from Jackson, MS. Got rates from Amica, Safeco, and some smaller one I can’t remember the name of for my Dodge and cut my rates about $180 a year. I even had a DUI years ago.

  2. Tawnya Cameron

    Cheap car insurance? What’s that? Found cheapest coverage with Farmers for my Nitro and saved about $260 a year. Left Safeco to switch. Thankfully I’m not a high risk driver.

  3. Misha Stuart

    Not sure if this is cheap. I’m in the south part of Bridgeport, Connecticut. Don’t remember every company but I ended up saving about $50 each month. It’s still not cheap enough.

  4. Porsha Lara

    I was with Hartford last year but switched to Progressive. Checking in from North Charleston, SC.

  5. Leah Whitehead

    Located in Atlanta, GA. Checked online prices for a 2011 Dodge Nitro. Ended up at about $230 savings annually. Went with Progressive. Left Farmers to switch.

  6. Esperanza Hanson

    Well-written and thought out article. From Parkersburg, WV. I quoted with Amica, Encompass, and Sentry for my 2011 Dodge Nitro and saved $106 a year. Left 21st Century to switch. A clean driving record helps.

  7. Tracey Heath

    I went with GEICO at renewal. Best rates in Newark, DE. Thankfully I’m not a high risk driver.

  8. Glady Farrell

    Hope my car insurance gets cheaper. From west side of Detroit, MI. I quoted with GEICO, AIG Insurance, and Erie for my Nitro and saved just over $450 a year. Might find lower rates online.

  9. Oliva Robbins

    For me, Progressive was by far the cheapest in Birmingham, Alabama.

  10. Corine Wilder

    Thought I’d throw in my experience. I’m in the suburbs of Birmingham, Alabama. Quoted with 21st Century, AIG Insurance, and some I forget for my Nitro and saved around $270 a year. Left AAA to switch.