Compare 2011 Dodge Nitro Insurance Cost

Want the cheapest insurance coverage rates for your Dodge Nitro? Trying to find the cheapest insurance for a Dodge Nitro could be a lot of work, but you can learn these tips to save time. There are both good and bad ways to find insurance coverage online and you need to know the proper way to price shop coverage for a Dodge and obtain the lowest possible price either online or from local insurance agents.

Free Insurance Coverage Quotes

Finding a lower price on 2011 Dodge Nitro insurance is not a difficult process. Consumers just need to spend a few minutes on the computer to compare quotes online from several insurance companies. This can be done using a couple different methods.

The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating multiple quote forms for each company you want a rate for. Just one form will get you price quotes from many national carriers. It’s definitely the quickest method.

A less efficient way to find lower rates is going to the website for every company you want to comare and request a quote. For example, we’ll assume you want to compare Geico, 21st Century and State Farm. You would have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but double check that you are using exactly the same coverages and limits with each company. If you are comparing mixed coverages it’s not possible to make an equal comparison.

Is my situation unique?

When it comes to buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help highlight if you would benefit from an agent’s advice.

  • Am I covered if my car is in a flood?
  • What is covered by UM/UIM coverage?
  • Are rental cars covered under my policy?
  • Is rental equipment covered for theft or damage?
  • Should I put collision coverage on all my vehicles?
  • Why am I required to get a high-risk car insurance policy?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Dodge Nitro.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive protection

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, theft, falling objects, a tree branch falling on your vehicle and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

This coverage will pay to fix damage to your Nitro resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, crashing into a ditch, sustaining damage from a pot hole, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, hospital visits, prosthetic devices and funeral costs. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability auto insurance

This will cover damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like funeral expenses, court costs and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.