5 Ways to Lower Dodge Nitro Insurance Rates in Nevada
Nevada shoppers have options when shopping for affordable Dodge Nitro insurance. You can either spend your time driving around trying to get quotes or leverage the internet to compare rates. There is a better way to find car insurance online and we’ll show you the absolute fastest way to price shop coverage on a Dodge and get the lowest possible price from Nevada insurance agents and online providers.
Choosing the best insurance company for you is quite easy. If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Nevada vehicle owners just need to know the most efficient way to buy car insurance over the internet.
How to Compare Car Insurance Quotes in Nevada
There are multiple methods to shop for car insurance, but one way is more efficient than others. You can waste a few hours (or days) driving to insurance companies in your area, or you could use online quoting to get rates in a matter of minutes.
Many insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and every company returns a competitive quote determined by their information. This prevents consumers from doing quote forms to every company.
To access this free quoting program, click here to open in new window.
The one disadvantage to comparing rates this way is you can’t choose the companies to get pricing from. So if you prefer to choose specific providers to compare, we have a page of car insurance companies in Nevada. Click here to view list.
However you get your quotes, ensure you’re using apples-to-apples information on every quote you get. If your comparisons have different limits and deductibles on each one it will be impossible to determine which rate is truly the best.
Be sure to get all your discounts
Auto insurance companies do not advertise every available discount very well, so the following is a list of some of the more common as well as the least known car insurance savings. If you don’t get every credit you qualify for, you are throwing money away.
- Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
- Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
- Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
- Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
- No Accidents – Drivers who don’t have accidents pay much less when compared to drivers who are more careless.
- Defensive Driving Course – Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
- Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- Government Employees – Active or retired federal employment can earn a discount up to 10% on Nitro insurance depending on your company.
A little note about advertised discounts, many deductions do not apply the the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.
For a list of insurers who offer car insurance discounts in Nevada, click this link.
Parts of the Dodge Nitro rate equation
Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for car insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to lower car insurance prices.
Shown below are a partial list of the pieces used by your company to calculate prices.
- Liability insurance protects assets – The liability section of your policy is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
- Please use or commuting – Driving more miles in a year’s time the higher your rate. Most companies rate vehicles determined by how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate than those used for commuting. Verify your car insurance coverage is showing the proper vehicle usage, because it can save money. If your policy improperly rates your Nitro may be costing you.
- Discounts for multiple policies – Some insurance companies will award you with lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even with this discount, it’s in your best interest to shop around to ensure the best deal. Drivers may still find better rates by splitting coverages up.
- Teen drivers pay high rates – Older drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Teen drivers have a tendency to get distracted easily behind the wheel therefore car insurance rates are much higher.
- Bump up deductibles to save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your Dodge. Some instances where coverage would apply are a windshield shattered by a rock, damage from fire, and rolling your vehicle. Physical damage deductibles are how much you are willing to pay before your car insurance pays a claim. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance on Nitro insurance.
- Do you need those extra coverages? – There are quite a few extra bells and whistles that you can get tricked into buying on your Nitro policy. Coverages for rental car reimbursement, accidental death and term life insurance are examples of these. They may seem good when you first buy your policy, but if they’re wasting money eliminate them to save money.
- More people means more accidents – Choosing to live in less populated areas can be a good thing when it comes to car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
More quotes mean more savings
Budget-conscious Dodge Nitro insurance is definitely available from both online companies and with local Nevada insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and these smaller companies work with independent agents.
We just showed you many tips how you can save on Dodge Nitro insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.
As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed physical damage coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy enough coverage at a price you can afford, not the least amount of coverage.
Read more about Nevada car insurance
Even more information can be read at the Nevada Division of Insurance website. Visitors are able to find out which companies have the most complaints, get help finding coverage, file complaints about an insurance agent or broker, and find disaster information.
The following information may also be useful.