Best Dodge Nitro Insurance in San Diego

How long has it been since you compared quotes for more competitive Dodge Nitro insurance in San Diego? Price shopping your Dodge Nitro insurance in San Diego could be hard for people who have little experience comparison shopping online. Consumers have so many choices that it can easily become a big hassle to find better prices on Dodge Nitro insurance.

It’s hard to fathom, but the vast majority of insurance customers kept their coverage with the same insurance company for a minimum of four years, and virtually 40% of consumers have never shopped around. Many consumers in San Diego could save an average of almost 35% each year just by shopping around, but they won’t spend time to find cheaper insurance rates.

Cheap companies for Dodge Nitro insurance in California

The providers in the list below can provide free quotes in California. If several companies are displayed, it’s a good idea that you compare several of them to find the most affordable auto insurance rates.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific location information which can alter coverage prices significantly.

Auto insurance premiums based on gender

The diagram below illustrates the comparison of Dodge Nitro insurance prices for male and female drivers. The data assumes no claims or violations, comp and collision included, $500 deductibles, marital status is single, and no discounts are factored in.

Choosing deductibles

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The comparisons below sum up how much more you’ll pay of buying low and high insurance deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in garaging location in San Diego which can impact rates considerably.

Based on this data, using a $250 deductible will cost you roughly $30 more each month or $360 each year than opting for the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 25 months between claim filings, you would come out ahead if you decide on a higher deductible.

Tickets and at-fault accidents raise rates

The information below shows how speeding tickets and at-fault claims can affect Dodge Nitro auto insurance rates for different categories of driver ages. The premiums are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

Do you qualify for discounts?

Companies that sell car insurance do not list every available discount in a way that’s easy to find, so the below list has some of the best known and the harder-to-find ways to save on insurance.

• Drive Safe and Save – Safe drivers could pay up to 40% less as compared to drivers with claims.
• Waiver for an Accident – Not really a discount, but companies like Liberty Mutual and GEICO will allow you to have one accident before they charge you more for coverage if you have no claims before the accident.
• Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• New Vehicle Savings – Insuring a new Nitro may earn a small discount since new vehicles have better safety ratings.
• Senior Citizen Discount – Drivers that qualify as senior citizens can get reduced rates.
• Federal Government Employee – Having worked for a branch of the government could cut as much as 10% off with some insurance companies.
• Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups could earn you a nice discount when getting a San Diego car insurance quote.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies wouldn’t make money that way.

The best insurance companies and some of the discounts are shown below.

• American Family offers premium reductions for air bags, multi-vehicle, TimeAway discount, accident-free, early bird, good student, and good driver.
• State Farm may have discounts that include driver’s education, Steer Clear safe driver discount, good student, multiple autos, and good driver.
• 21st Century offers discounts for student driver, 55 and older, defensive driver, theft prevention, automatic seat belts, and driver training.
• Travelers includes discounts for new car, payment discounts, IntelliDrive, driver training, and multi-car.
• GEICO policyholders can earn discounts including air bags, multi-policy, driver training, seat belt use, military active duty, and emergency military deployment.

When getting a coverage quote, ask every insurance company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policies in San Diego. For a list of companies who offer insurance discounts in California, click here to view.

What Impacts Dodge Nitro Insurance Costs?

It’s important that you understand some of the elements that help determine car insurance rates. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that may result in cheaper rates.

Shown below are some of the items car insurance companies consider when setting your premiums.

The type of vehicle you drive affects your costs – The performance of the vehicle you need to insure makes a huge difference in your auto insurance rates. Due to the fact that the Dodge Nitro is a passenger car, rates will be similar in price or lower as compared to the average rate in San Diego. Economy passenger cars generally have the cheapest insurance rates, but there are many factors that impact the final cost.

You might want pay the minor car insurance claims yourself – If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Companies in California give cheaper rates to drivers who do not file claims often. Your car insurance is intended for more catastrophic claims.

Employer reflects on rates – Jobs like lawyers, business owners and medical professionals tend to have higher premiums than the average policyholder attributed to intense work requirements and lots of time spent at work. Conversely, occupations like professors, historians and the unemployed pay lower than average rates.

How do annual miles impact costs? – Driving a lot of miles annually the more you will pay for car insurance. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate than those that get driven frequently. Having an incorrect usage rating on your Nitro may be costing you higher rates. It’s always a good idea to double check that your vehicle rating states the right rating data.

There’s no such thing as the perfect car insurance policy

Always remember that when buying coverage online or from an agent, there really is not a one size fits all plan. Every insured’s situation is different and your car insurance should unique, too.
For instance, these questions can help discover whether or not you would benefit from professional advice.

• I have a DUI can I still get coverage?
• Should I pay a claim out-of-pocket?
• Am I covered if I hit a deer?
• Is a new car covered when I drive it off the dealer lot?
• Is my nanny covered when driving my vehicle?
• Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Shop online but buy locally

Certain consumers would rather talk to an insurance agent and that is OK! A good thing about getting free rate quotes online is the fact that drivers can get the best rates and still choose a local agent. Buying from and supporting local agencies is important particularly in San Diego.

To find an agent, once you fill out this form (opens in new window), your insurance data is emailed to local insurance agents that can give you free San Diego car insurance quotes for your business. There is no reason to search for any insurance agencies due to the fact that quote results will go to your email. You can most likely find cheaper rates without having to waste a lot of time. If for some reason you want to get a price quote from a specific company, you can always jump over to their website and give them your coverage information.

Finding the right insurance company should depend on more than just the quoted price. The answers to these questions are important, too.

• How much will you save each year by using a higher deductible?
• What kind of financial rating does the company have?
• Does the agency have a current Errors and Omissions policy?
• How long has their agency been open in San Diego?
• Do they have cheaper tiers of coverage?
• Are they actively involved in the community?
• How will an accident affect your rates?
• How are they compensated?

If you get good feedback to your questions as well as offering an affordable quote, you’ve probably found an provider that can be trusted to adequately provide insurance. But remember, you can always terminate coverage when you choose so never assume you are locked into a specific agent with no way out.

Is there truth in advertising?

Popular insurance providers such as State Farm, Allstate and GEICO consistently run ads on TV and radio. They all make the point about saving some big amount just by switching your insurance coverage to their company. That’s great but how can every company lower your prices? It’s all in how they say it.

Insurance companies quote the lowest rates for the type of driver that earns them the highest profit. One example of a desirable risk could be between 30 and 50, has a low-risk occupation, and does not commute to work. A customer getting a price quote who fits that profile will most likely get cheap rates and most likely will save quite a bit of money when switching.

People who do not fit this ideal profile may be required to pay higher premiums with the end result being the customer not buying. If you pay close attention to the ads, they say “drivers who switch” not “all people who quote” save that much money. That’s why insurance companies can advertise the way they do.

This really illustrates why you absolutely need to get price quotes at each policy renewal. It’s just too difficult to predict which company will have the lowest Dodge Nitro insurance in San Diego.

Find cheap auto insurance prices by comparing often

We just showed you some good ideas how you can lower your Dodge Nitro insurance rates in San Diego. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the best rates are with the smaller companies. These companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

To learn more, link through to the articles below:

• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Who Has Cheap Auto Insurance Rates for College Graduates in San Diego? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for 4×4 Vehicles in San Diego? (FAQ)
• What Insurance is Cheapest for Safe Drivers in San Diego? (FAQ)
• How Much are Car Insurance Quotes for Government Employees in San Diego? (FAQ)
• Senior Drivers (Insurance Information Institute)
• Side Impact Crash Tests (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Credit and Insurance Scores (Insurance Information Institute)