Top 8 Ways to Pay Less on Dodge Nitro Insurance

Locating cheaper insurance for a Dodge Nitro can normally be difficult, but you can learn the following methods to make it easier. There are more efficient ways to buy car insurance so you’re going to learn the absolute fastest way to quote coverages on a Dodge and obtain the cheapest rates from both online companies and local agents.

More discounts equal less premium

Companies offering auto insurance do not advertise all available discounts in an easy-to-find place, so we break down both the well known and also the lesser-known ways to save on car insurance.

Sign Early and Save – A few companies offer discounts for signing up prior to your current policy expiration. It can save you around 10%.
Distant Student – Youth drivers who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Paperless Signup – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
Drive Less and Save – Keeping the miles down on your Dodge could qualify for better rates on cars that stay parked.
Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
New Car Discount – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.

It’s important to note that many deductions do not apply to the entire cost. Most cut individual premiums such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous.

For a list of insurers who offer car insurance discounts, follow this link.

Are insurance agents obsolete?

Some consumers would rather sit down with an agent and there is nothing wrong with that. One of the best bonuses of getting online price quotes is you can get lower rates and still have an agent to talk to.

To find an agent, once you fill out this short form, your information is sent to insurance agents who will battle for your insurance coverage. You don’t have to leave your computer due to the fact that quote results will go to the email address you provide. You can find the lowest rates and an insurance agent to talk to.

Deciding on an insurer should depend on more than just the premium amount. Here are some questions to ask:

How long has their agency been in business?
Do clients work directly with the agent or are most inquiries handled by a CSR?
Will their companies depreciate repairs to your car based on the mileage?
Is the agency involved in supporting local community causes?
Who are their largest clients?

If you wish to view licensed agents in your state, visit this page.

After getting positive feedback in addition to an acceptable price estimate, you’ve probably found a company that will properly service your car insurance policy. But keep in mind policyholders can cancel your policy any time you want so don’t think you are locked into any particular company for the entire policy term.

Car insurance 101

Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance

This coverage can cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as structural damage, medical expenses and emergency aid. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, a broken windshield and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for dental work, rehabilitation expenses, X-ray expenses and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

Collision coverage covers damage to your Nitro from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

A little work can save a LOT of money

In this article, we covered a lot of ways to save on Dodge Nitro insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the lowest rates come from a smaller regional carrier.

As you shop your coverage around, never reduce needed coverages to save money. There have been many cases where someone dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Insureds change insurance companies for many reasons like not issuing a premium refund, policy cancellation, delays in paying claims or even denial of a claim. Whatever your reason, switching car insurance companies is actually quite simple.