Tightwads Guide to Insuring a Dodge Nitro
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. You probably feel the same way about finding lower cost coverage for your Dodge Nitro.
Step One: Compare Multiple Rate Quotes
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. But now you can eliminate that hassle and buy online!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Dodge Nitro without even visiting their websites!
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Nitro.
Step Two: How to Insure your Nitro for Less
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Nitro that will also lower the rate you pay irregardless of which company you choose.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- How is your credit rating? The better credit you have, the less insurance will cost for your Nitro. If you have bad credit, work on improving your credit score and repair past credit problems.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- Homeowners often see a break on their car insurance rates because there is a correlation between owning a home and being a responsible driver.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- Particular years and models of cars tend to be frequently stolen, and if your Nitro is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
Step Three: Select the Best Company for Your Needs
Once you have compared identical rate quotes for your Nitro and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Nitro won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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