2008 Dodge Nitro Insurance Quotes – 9 Tips for Best Rates

Are you confused by the crazy number of auto insurance choices? Lot’s of other consumers are too. Drivers have so many choices that it can turn into a lot of work to find lower rates.

Cut your auto insurance rates with these nine discounts

Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known discounts you could be receiving.

  • Good Student Discount – Performing well in school can save 20 to 25%. The good student discount can last up until you turn 25.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Memberships – Affiliation with a qualifying organization may earn a discount when shopping for auto insurance for Nitro coverage.
  • Sign Early and Save – Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • Drive Less and Save – Keeping the miles down on your Dodge can qualify you for better rates on cars that stay parked.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • College Student – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance from them.
  • Homeowners Discount – Owning a house can save you money due to the fact that maintaining a home requires personal responsibility.

Consumers should know that some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of companies who offer auto insurance discounts, click here.

You are unique and your insurance coverage should be too

When it comes to choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.

For example, these questions might point out if your insurance needs might need professional guidance.

  • Can I afford low physical damage deductibles?
  • What can I do if my company won’t pay a claim?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When does my teenage driver need to be added to my policy?
  • Should I sign the liability waiver when renting a car?
  • Will my insurance pay for OEM parts?
  • Why does it cost so much to insure a teen driver?
  • When would I need additional glass coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage options for a 2008 Dodge Nitro

Having a good grasp of auto insurance can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Dodge Nitro.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a bird, damage from getting keyed and a broken windshield. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills like rehabilitation expenses, surgery, chiropractic care and dental work. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance can cover damage that occurs to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things like repair bills for other people’s vehicles, court costs and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, colliding with a tree, crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Affordable insurance is out there

Cost effective 2008 Dodge Nitro insurance is attainable on the web in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

People leave their current company for a number of reasons such as questionable increases in premium, denial of a claim, an unsatisfactory settlement offer or policy cancellation. Whatever your reason, switching insurance companies can be pretty painless.

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. In many instances, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. The aim is to purchase a proper amount of coverage for the lowest price.

Much more information about insurance is available at the links below