View 2009 Dodge Nitro Insurance Quotes

Trying to find lower auto insurance rates for your Dodge Nitro? Have you fallen victim to overpriced auto insurance? Believe me when I say there are lots of people in the same boat. Many auto insurance companies compete for your insurance dollar, so it’s not easy to compare every provider and get the best coverage at the cheapest price

If you have insurance now or are just looking to switch companies, you can learn to reduce the price you pay while maximizing coverage. Buying car insurance is quite easy. Vehicle owners just need to learn the proper methods to buy car insurance on the web.

How to Get Cheap Auto Insurance

Reducing your 2009 Dodge Nitro insurance rates is not a difficult process. Consumers just need to take the time comparing rate quotes from different insurance companies. This can be done using a couple different methods.

  1. One of the simplest ways to get quotes for comparison is a comparison rater form like this one (opens in new window). This easy form keeps you from doing boring form submissions for each company you want a rate for. One simple form gets you price quotes from all major companies.
  2. A different way to get comparison quotes is to manually visit each company’s website to complete their respective quote request forms. For instance, let’s say you want to compare rates from Liberty Mutual, Progressive and Farmers. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The hardest way of getting rate comparisons is driving around to insurance agents’ offices. Shopping for auto insurance online can eliminate the need for a local agent unless you have a need for the trained guidance that only a license agent can provide. However, consumers can get the lowest quotes online and get advice from an agent in your area and you’ll learn how to do that later.

It’s your choice how you get your quotes, but make sure you use apples-to-apples coverages and limits for every company. If you compare different liability limits it’s not possible to determine the lowest rate for your Dodge Nitro.

Cut prices on Dodge Nitro insurance

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied when you purchase, but lesser-known reductions have to be inquired about before you get the savings. If you don’t get every credit available, you are throwing money away.

  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Air Bag Discount – Factory air bags can qualify for discounts of 20% or more.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Defensive Driver – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts when compared with drivers who are more careless.
  • 55 and Retired – If you qualify as a senior citizen, you may receive reduced rates for Nitro coverage.
  • Multi-policy Discount – If you have multiple policies with the same company you will save at least 10% off all policies.

As a disclaimer on discounts, most credits do not apply the the whole policy. A few only apply to individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren’t that generous. But all discounts will bring down the amount you have to pay.

For a list of providers with discount auto insurance rates, click this link.

Tailor your coverage to you

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out if your situation might need professional guidance.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I get collision insurance on every vehicle?
  • Can I still get insurance after a DUI?
  • How much can I save by bundling my policies?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my teen driver covered when they drive my company car?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Dodge Nitro.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for surgery, pain medications, prosthetic devices and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, hail damage and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverages – 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 the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, sideswiping another vehicle, damaging your car on a curb, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Liability car insurance – This will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means 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. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, court costs, emergency aid, loss of income and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.