Do you need a better way to compare lower-priced Dodge Nitro insurance in Houston? Finding cheaper Houston auto insurance quotes online can be complicated if you have never taken advantage of online price quotes. Don’t let that stop you because there is an easy way to compare rates for Dodge Nitro insurance in Houston.
A recent car insurance study revealed that most car insurance buyers in Texas renewed their policy with the same company for at least the last four years, and just short of a majority have never even shopped around for affordable coverage. American drivers can cut their rates by as much as $850 a year, but they don’t understand how simple it is to compare rates and save money.
Smart consumers take time to shop coverage around once or twice a year due to the fact that insurance prices trend upward over time. Despite the fact that you may have had the best deal on Dodge Nitro insurance in Houston a few years ago there may be better deals available now. There is a lot of bad advice regarding Nitro insurance on the web, but in this article, you’re going to get some excellent ideas to save money.
If you already have coverage, you should be able to reduce the price you pay using the concepts covered in this article. Obtaining price quotes for the best-priced policy in Houston is not as hard as you think. But Texas consumers benefit from understanding the methods companies use to determine how much to charge because rates fluctuate considerably.
Affordable companies for Dodge Nitro insurance
The providers in the list below can provide price comparisons in Houston, TX. If several companies are displayed, it’s highly recommended you visit several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Nitro Heat 2WD||$260||$448||$444||$26||$132||$1,310||$109|
|Nitro SE 2WD||$200||$372||$560||$34||$168||$1,334||$111|
|Nitro SE 4WD||$206||$338||$486||$28||$146||$1,204||$100|
|Nitro SXT 2WD||$268||$376||$444||$26||$132||$1,246||$104|
|Nitro Heat 4WD||$182||$256||$430||$26||$128||$1,022||$85|
|Nitro Detonator 2WD||$254||$486||$452||$26||$136||$1,354||$113|
|Nitro SXT 4WD||$318||$580||$440||$26||$132||$1,496||$125|
|Nitro Shock 2WD||$298||$544||$444||$26||$132||$1,444||$120|
|Nitro Detonator 4WD||$336||$496||$564||$34||$168||$1,598||$133|
|Nitro Shock 4WD||$308||$400||$564||$34||$168||$1,474||$123|
|Get Your Own Custom Quote Go|
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Price information does not factor in vehicle garaging location which can modify price quotes greatly.
Safe drivers pay cheaper rates
The illustration below demonstrates how traffic citations and at-fault collisions increase Dodge Nitro insurance rates for each age group. The rates are based on a married female driver, full coverage, $100 deductibles, and no discounts are applied.
Cheaper Houston car insurance quotes with discounts
Companies don’t necessarily list every discount available in an easy-to-find place, so here is a list a few of the more well known and the harder-to-find discounts that you can inquire about if you buy Houston auto insurance online.
- Senior Discount – Drivers over the age of 55 could receive lower premium rates.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles are stolen less frequently and can earn a small discount on your policy.
- Active Service Discounts – Having an actively deployed family member may lower your premium rates slightly.
- Paperless Signup – Some insurance companies will give a small break for completing your application over the internet.
- Discounts for Safe Drivers – Accident-free drivers may receive a discount up to 45% than their less cautious counterparts.
- Federal Government Employee – Active or former government employment could cut as much as 10% off but check with your company.
- Accident Free – Claim-free drivers have much lower rates compared to accident-prone drivers.
- Discount for Life Insurance – Larger companies have better car insurance rates if you take out some life insurance in addition to your auto policy.
Don’t be shocked that most discount credits are not given to the whole policy. Most only reduce individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, nobody gets a free ride. But any discount will help lower your car insurance premiums.
To find companies that provide some of the discounts listed above in Texas, click here to view.
Insurance agencies near you
A small number of people still prefer to visit with an insurance agent and that is not a bad decision One of the benefits of comparing rates online is that you can find cheap auto insurance quotes and also buy local.
To find an agent, once you fill out this form (opens in new window), your information is instantly submitted to companies in Houston that provide free Houston auto insurance quotes for your coverage. You won’t need to contact any insurance agencies because prices are sent directly to you. You’ll get the best rates without a big time investment. If you want to get a comparison quote from a particular provider, you just need to navigate to their website and give them your coverage information.
Picking the best company is decision based upon more than just a cheap price quote. Some important questions to ask are:
- When do they do policy reviews?
- Are they able to provide referrals?
- Do they feel the quoted coverages are adequate?
- Can you use your own choice of collision repair facility?
- How much training do they have in personal risk management?
- Where would your vehicle be repaired?
- Will you get a loaner vehicle if you car is being repaired?
Insurance savings promises
Respected companies like Progressive, Allstate and GEICO regularly use ads in print and on television. They all advertise claims that drivers will save a bundle just by switching your policy. How can each company charge you less for car insurance? This is the way they can do it.
Companies have an ideal profile for the type of insured they prefer to insure. For instance, a desirable insured should be between the ages of 30 and 50, has never had a policy lapse, and drives less than 10,000 miles a year. A customer getting a price quote that meets those criteria receives the best car insurance rates in Houston and therefore will save when switching.
Insureds who don’t measure up to this ideal profile must pay higher premium rates which translates to business going elsewhere. The trick companies use is to say “people that switch” but not “everyone who gets a quote” save money. This is how insurance companies can state the savings. This really illustrates why you need to get price quotes at each policy renewal. Because you never know which company will have the lowest car insurance rates for your situation.
Car insurance policy coverages for a Dodge Nitro
Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Comprehensive auto coverage
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as falling objects, theft and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision coverage protection
This coverage pays for damage to your Nitro caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things such as colliding with a tree, scraping a guard rail, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible on your Nitro in order to get cheaper collision rates.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Nitro.
Due to the fact that many Texas drivers only purchase the least amount of liability that is required (which is 30/60/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Medical payments and PIP coverage
Med pay and PIP coverage pay for short-term medical expenses for things like doctor visits, funeral costs, chiropractic care, nursing services and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 30/60/25 which stand for a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged property.
Liability insurance covers claims like court costs, funeral expenses, structural damage, attorney fees and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry more coverage.
Quote more to save more
We just showed you some good ideas how you can shop for Dodge Nitro insurance online. The key thing to remember is the more rate quotes you have, the better likelihood of getting low cost Houston auto insurance quotes. You may even be surprised to find that the lowest rates are with a company that doesn’t do a lot of advertising.
Consumers switch companies for many reasons like delays in paying claims, high rates after DUI convictions, policy non-renewal or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company can be less work than you think.
When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. In many instances, someone dropped comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your aim should be to buy enough coverage at the best cost while not skimping on critical coverages.
- Auto Insurance Facts and Statistics (Insurance Information Institute)
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- Who Has the Cheapest Auto Insurance for Drivers Under 21 in Houston? (FAQ)
- What Car Insurance is Cheapest for Low Credit Scores in Houston? (FAQ)
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- Who Has Affordable Car Insurance for 18 Year Olds in Houston? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Tools for Teen Driving Safety (State Farm)