Save on 2007 Dodge Nitro Car Insurance Quotes

Trying to find cheaper insurance coverage rates for your Dodge Nitro? No one in their right mind looks forward to buying insurance coverage, in particular when the price is too high. Companies like State Farm, GEICO and Farmers Insurance increase brand awareness with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It is always a good idea to compare prices occasionally due to the fact that insurance rates are variable and change quite frequently. Just because you had the lowest rates for Nitro insurance on your last policy you can probably find a lower rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the only way to find better coverage at a better price.

How to Compare Insurance Coverage Quotes

Finding cheaper 2007 Dodge Nitro insurance coverage prices can be surprisingly simple. The only requirement is to invest a little time comparing rate quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

  • One of the best ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quotation requests to each individual insurance coverage company. A single form compares rates from multiple companies.
  • A less efficient way to get quotes online requires a trip to each individual company website to complete their respective quote request forms. For sake of this example, we’ll assume you want to compare USAA, 21st Century and Allstate. You would have to visit each site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  • The most time-consuming method of comparing rate quotes is to waste gas driving to insurance agents’ offices. The internet makes this process obsolete unless you want the professional advice of a local agent. However, consumers can compare the best prices online and still use a local agent.

Whichever way you use, make darn sure you compare exactly the same deductibles and coverage limits on every quote you get. If you compare different deductibles you will not be able to make a fair comparison for your Dodge Nitro.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique so your insurance needs to address that. These are some specific questions may help you determine if your situation may require specific advice.

  • What is no-fault insurance?
  • Am I covered when driving a rental car?
  • Am I getting all the discounts available?
  • Which is better, split liability limits or combined limits?
  • Can I afford low physical damage deductibles?
  • Am I better off with higher deductibles on my 2007 Dodge Nitro?
  • Who is covered by my policy?
  • Do I pay less for low miles?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I have coverage if my license is suspended?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Coverages available on your policy

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on the average insurance policy.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, scraping a guard rail, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as rehabilitation expenses, hospital visits, dental work, ambulance fees and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, hitting a bird and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage – This coverage protects you from damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, funeral expenses, medical services and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.