How Much Does 2007 Dodge Nitro Insurance Cost?

Searching for the cheapest auto insurance rates for your Dodge Nitro? Cutting costs on auto insurance could be quite difficult for drivers not familiar with online rate comparisons. There are so many companies to choose from that it can easily be a real hassle to compare rates.

The method we recommend to compare insurance rates from multiple companies utilizes the fact car insurance companies will pay a fee to provide you with free rate quotes. All consumers are required to do is provide details like if you lease or own, whether the vehicles are used for commuting, the ages of drivers, and distance driven. Your insurance information is then submitted to many different companies and they return quotes quickly.

To find the cheapest car insurance rates, click here and find out if you can get cheaper insurance.

Dodge Nitro insurance rate factors

Many factors are used when pricing auto insurance. Some factors are common sense such as your driving record, although some other factors are not as apparent like your vehicle usage and annual miles driven.

The items below are a partial list of the pieces that factor into premiums.

• High credit score translates to low prices – A driver’s credit history is a large factor in determining what you pay for car insurance. Insureds with very high credit ratings tend to file fewer claims than drivers who have worse credit. If your credit could use some work, you could pay less to insure your 2007 Dodge Nitro by spending a little time repairing your credit.
• Liability coverage limits on your policy – The liability section of your policy kicks in in the event that you are found liable for an accident. Your liability coverage provides legal defense coverage starting from day one. Liability is cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Where you reside factors in – Living in less populated areas has it’s advantages when buying car insurance. Fewer drivers and short commutes means less chance of accidents as well as less vandalism and auto theft. Drivers in populated areas regularly have more road rage incidents and longer commute times. The longer drive time translates into higher accident risk.
• Drive lots and pay more – The higher the mileage driven every year the higher the price you pay to insure it. Almost all companies charge to insure your cars based upon how much you drive. Autos that are left in the garage receive lower rates than cars that get driven a lot. Having an incorrect usage rating on your Nitro may be costing you. Make sure your declarations sheet is rated on the right rating data.
• Be proud to be claim-free – Companies award lower rates to drivers that do not abuse their auto insurance. If you file claims often, you can pretty much guarantee higher rates. Your car insurance is meant to be used in the event of larger claims.
• Raise comp and collision deductibles and save – The deductibles define how much you are willing to pay if the claim is covered. Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims could be collision with another vehicle, damage from fire, and damage from wind. The more money you’re willing to pay, the lower your rates will be for Nitro coverage.
• Your career may increase car insurance rates – Jobs like fire fighters, business owners and emergency personnel usually pay higher premiums than the average policyholder due to high stress and long work days. Conversely, occupations such as scientists, historians and performers pay the least for Nitro coverage.
• Do you qualify for a multi-policy discount? – The majority of companies will award better rates to clients who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare rates to verify if the discount is saving money.There is a good possibility that you can save more without the discount even if you have your coverage with different companies

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Cheaper rates with these discounts

Companies offering auto insurance do not advertise the complete list of policy discounts very clearly, so the list below contains both the well known in addition to some of the lesser obvious credits that may apply to you.

• Multi-policy Discount – When you combine your auto and home insurance with the same company you will save at least 10% off all policies.
• Homeowners Pay Less – Owning a house can earn you a little savings because of the fact that having a home is proof that your finances are in order.
• Multi-Vehicle Discounts – Insuring multiple cars on one policy may reduce the rate for each vehicle.
• Discounts for Federal Employees – Employees or retirees of the government may qualify for a discount when you quote insurance coverage for Nitro coverage with select insurance companies.
• Resident Student – College-age children living away from home attending college and leave their car at home may be insured at a cheaper rate.
• First Accident Forgiveness – This one is not really a discount per se, but certain companies will let one accident slide without the usual rate increase with the catch being you have to be claim-free for a certain period of time.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. Even though it may seem like you could get a free insurance coverage policy, that’s just not realistic. But all discounts will definitely reduce your policy premium.

Car insurance companies that may include some of the above discounts are:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

If you want inexpensive insurance coverage quotes, ask all the companies the best way to save money. Savings may not apply to policyholders in your area.

Insurance coverage can be complex

When buying coverage, there really is not a one size fits all plan. Each situation is unique.

Here are some questions about coverages that could help you determine if your situation may require specific advice.

• Are there companies who specialize in insuring high-risk drivers?
• Will my rates increase for filing one claim?
• Do I need to file an SR-22 for a DUI in my state?
• Does my medical payments coverage pay my health insurance deductible?
• Will my vehicle be repaired with OEM or aftermarket parts?
• What is the minimum liability in my state?
• Will I lose any money if I cancel my policy before it expires?
• What is medical payments coverage?
• Do all my vehicles need collision coverage?
• Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form.

Auto insurance coverages

Having a good grasp of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, bail bonds, legal defense fees and structural damage. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Collision coverage

Collision insurance covers damage to your Nitro resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as rolling your car, backing into a parked car, colliding with a tree and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like EMT expenses, nursing services, pain medications and surgery. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a bird, damage from getting keyed, damage from a tornado or hurricane and vandalism. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Dodge Nitro.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

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Saving money makes a lot of cents

Drivers leave their current company for many reasons like being labeled a high risk driver, delays in responding to claim requests, questionable increases in premium or unfair underwriting practices. No matter why you want to switch, finding a new company is less work than it seems.

In this article, we covered many tips how you can compare 2007 Dodge Nitro insurance rates online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the most savings is with an unexpected company.

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage only to regret that they should have had better coverage. Your goal is to buy the best coverage you can find at the best price, but do not skimp to save money.

More tips and info about auto insurance can be found in the articles below:

• Vehicle Size and Weight FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Neck Injury FAQ (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Driving in Bad Weather (Insurance Information Insitute)

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