Compare 2010 Dodge Nitro Car Insurance Cost

Trying to find low-cost insurance for your Dodge Nitro could be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to shop for insurance and you need to know the quickest way to compare rates on a Dodge and find the best price possible either online or from local insurance agents.

Buying the best coverage is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you can learn to find better prices and possibly find even better coverage. Drivers only need an understanding of the proper methods to compare price quotes online.

Dodge Nitro insurance rates are influenced by…

It’s important that you understand the different types of things that go into determining your insurance coverage rates. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to better insurance coverage rates.

  • High numbers of claims are not good – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Insurance companies award lower rates to insureds who file claims infrequently. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • Men are more aggressive – The statistics show women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. They both have accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.
  • Your location affects your rates – Being located in less populated areas can save you money when buying insurance coverage. Fewer drivers means fewer accidents. Drivers who live in large cities tend to have traffic congestion and longer commute times. Longer commute distances means higher likelihood of an accident.
  • Your age impacts your rates – Teenage drivers are statistically proven to be careless and easily distracted when behind the wheel so they pay higher insurance coverage rates. Older insureds are more cautious drivers, tend to cause fewer accidents and are safer drivers.
  • Higher safety ratings means cheaper insurance – Safer cars tend to have better insurance rates. Safe vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and lower rates for you. If the Dodge Nitro has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.

Discounts mean cheaper Dodge Nitro insurance rates

Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be asked about prior to getting the savings. If you’re not getting every credit possible, you are paying more than you should be.

  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Homeowners Savings – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Save over 55 – Mature drivers may be able to get a discount up to 10% on Nitro coverage.
  • Student in College – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save up to 5%.

Consumers should know that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think you can get free auto insurance, you won’t be that lucky. Any amount of discount will cut the amount you have to pay.

Car insurance companies that possibly offer some of the above discounts include:

Check with all companies you are considering how you can save money. Some discounts may not apply in your area.

Tailor your coverage to you

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

  • Does insurance cover damages from a DUI accident?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my 2010 Dodge Nitro covered for flood damage?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is the ISO rating for a 2010 Dodge Nitro?
  • What is high-risk coverage and where do I buy it?
  • Can I still get insurance after a DUI?
  • Can I afford to buy a different vehicle if my 2010 Dodge Nitro is totaled?
  • What is covered by UM/UIM coverage?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance policy coverages for a 2010 Dodge Nitro

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Dodge Nitro.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, a broken windshield, theft, damage from getting keyed and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays for damage to your Nitro resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, colliding with a tree, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for X-ray expenses, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like legal defense fees, repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Final thoughts

Consumers switch companies for a number of reasons such as lack of trust in their agent, delays in responding to claim requests, high rates after DUI convictions or even questionable increases in premium. Whatever your reason, finding a new insurance coverage company can be easier than you think.

When shopping online for insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where someone dropped liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

You just learned many tips how you can get a better price on 2010 Dodge Nitro insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from an unexpected company.

Helpful resources