How Much Does 2009 Dodge Nitro Insurance Cost?

Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as many other consumers.

Lots of auto insurance companies contend for your business, so it’s not easy to compare every company to find the absolute best price available.

Smart consumers take time to take a look at other company’s rates every six months because rates change regularly. Just because you found the best price for Nitro coverage six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to learn one of the easiest ways to properly buy coverages while reducing your premium.

If you are paying for car insurance now, you will be able to save some money using this strategy. Finding the best rates is not that difficult. Although drivers can benefit by having an understanding of how insurance companies price online insurance and take advantage of how the system works.

Don’t miss these discounts

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. A few discounts will automatically apply when you quote, but a few need to be specifically requested before they will apply.

  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Nitro coverage than drivers with accident claims.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy could earn a price break for each car.

Keep in mind that some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free car insurance policy, companies don’t profit that way. But all discounts will bring down your premiums.

For a list of providers with discount car insurance rates, click here.

Pieces of the Dodge Nitro insurance rate puzzle

Consumers need to have an understanding of the factors that help determine the rates you pay for insurance. Understanding what controls the rates you pay enables informed choices that can help you get better insurance rates.

  • Safer cars are cheaper to insure – Vehicles with good safety scores can get you lower premiums. Safer cars have better occupant injury protection and lower injury rates translates into savings for insurance companies and lower rates for you. If your Dodge Nitro has ratings of a minimum four stars on it may be receiving lower rates.
  • Do you qualify for a multi-policy discount? – Most insurance companies will give a discount to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Your location is important – Residing in less populated areas can save you money when talking about insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Fewer people means reduced accidents and a lower car theft rate.
  • Liability insurance protects assets – Liability coverage will protect you in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability provides for a legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Never let your coverage lapse – Driving with no insurance can get your license suspended and insurance companies will penalize you for letting your insurance expire. And not only will insurance be more expensive, getting caught without coverage can result in a hefty fine and possibly a revoked license.
  • Mature drivers pay less – Young drivers have a tendency to get distracted easily when driving so they pay higher insurance rates. Adding a youthful driver to your policy can break the bank. More mature drivers are more responsible, tend to file fewer claims and are safer drivers.

When might I need help?

When it comes to buying the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can help discover if your insurance needs might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Do I really need UM/UIM coverage?
  • Do I need replacement cost coverage?
  • Do I pay less for low miles?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is medical payments coverage?
  • Can I make deliveries for my home business?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Do auto insurance companies bend the truth?

Companies like Allstate, GEICO and Progressive continually stream ads on television and other media. All the ads make the same claim about savings after switching to them. How does each company say the same thing? This is how they do it.

All companies have a certain “appetite” for the type of customer that is profitable for them. For instance, a profitable customer might be between the ages of 40 and 55, owns a home, and drives less than 10,000 miles a year. A customer who meets those qualifications will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t meet the “perfect” profile will be charged higher premiums and this can result in the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That is how companies can make those claims.

That is why it is so important to compare as many rates as you can. It’s not possible to predict which insurance companies will provide you with the cheapest Dodge Nitro insurance rates.

Insurance coverages 101

Knowing the specifics of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, crashing into a ditch, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists 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 Dodge Nitro.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, falling objects and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

This coverage protects you from injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as loss of income, repair costs for stationary objects, funeral expenses and attorney fees. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for prosthetic devices, pain medications, hospital visits and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Buy online or local, you save

Low-cost 2009 Dodge Nitro insurance is possible online as well as from independent agents, so you should compare both to have the best selection. Some auto insurance companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

In this article, we presented some good ideas how to reduce insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a small local company. These companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

When shopping online for auto insurance, it’s a bad idea to skimp on coverage in order to save money. In too many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

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