Auto Insurance Quotes for a Dodge Nitro in Fresno

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Insurance for Dodge NitroAre you looking for a better way to compare the cheapest Dodge Nitro insurance in Fresno? No car owner likes buying car insurance, especially knowing their premiums are too high.

Unbelievably, over 70% of consumers have bought car insurance from the same company for at least the last four years, and just under half have never compared rates from other carriers. California insurance shoppers could cut their rates by 35% a year by just comparing rate quotes, but they don't understand how simple it is to do a rate comparison.

How to quote cheaper Dodge Nitro insurance in Fresno

The best way to get budget Dodge Nitro insurance is to annually compare prices from insurers in Fresno. You can compare rates by following these steps.

  1. Try to learn about what coverages are included in your policy and the things you can change to keep rates in check. Many risk factors that increase rates such as speeding tickets, careless driving and an unacceptable credit rating can be rectified by making minor driving habit or lifestyle changes.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while agents who are independent can quote rates for a wide range of companies. View prices
  3. Compare the new rate quotes to your existing rates to see if a cheaper rate is available in Fresno. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

One piece of advice is to make sure you're comparing similar deductibles and liability limits on each price quote and and to get rates from as many car insurance companies as possible. This enables a fair rate comparison and a complete price analysis.

Insurance companies such as Allstate, Progressive and GEICO all claim big savings with catchy ads and it can be hard to ignore the propaganda and effectively compare rates to find the best deal.

If you're already insured or just want cheaper rates, take advantage of these tips to lower your rates and still have adequate protection. Finding the cheapest car insurance coverage in Fresno is easy if you know what you're doing. Shoppers just need to learn the least time-consuming way to compare rates online.

The companies shown below offer free rate quotes in California. If you want to find cheap car insurance in Fresno, it's a good idea that you compare several of them to get the best price comparison.

Auto insurance analysis for a Dodge Nitro

The data table displayed next highlights different policy rates for Dodge Nitro models. Having a good grasp of how premiums are determined is important for making smart choices when comparing insurance rates.

Dodge Nitro Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $368 $694 $674 $40 $202 $1,978 $165
Nitro SE 2WD $368 $694 $674 $40 $202 $1,978 $165
Nitro SE 4WD $422 $694 $674 $40 $202 $2,032 $169
Nitro SXT 2WD $422 $694 $674 $40 $202 $2,032 $169
Nitro Heat 4WD $422 $694 $674 $40 $202 $2,032 $169
Nitro Detonator 2WD $422 $844 $674 $40 $202 $2,182 $182
Nitro SXT 4WD $422 $844 $674 $40 $202 $2,182 $182
Nitro Shock 2WD $422 $844 $674 $40 $202 $2,182 $182
Nitro Detonator 4WD $422 $844 $674 $40 $202 $2,182 $182
Nitro Shock 4WD $476 $844 $674 $40 $202 $2,236 $186
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific Fresno garaging location which can lower or raise coverage prices noticeably.

Higher deductibles lower rates

When shopping for auto insurance, a common question is which deductibles should you choose. The premium rates below approximate the cost difference when you choose different physical damage deductibles. The first data table uses a $100 deductible for physical damage and the second set of prices uses a $1,000 deductible.

Dodge Nitro insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $332 $564 $500 $30 $150 $1,601 $133
Nitro SE 2WD $332 $564 $500 $30 $150 $1,601 $133
Nitro SE 4WD $380 $564 $500 $30 $150 $1,649 $137
Nitro SXT 2WD $380 $564 $500 $30 $150 $1,649 $137
Nitro Heat 4WD $380 $564 $500 $30 $150 $1,649 $137
Nitro Detonator 2WD $380 $686 $500 $30 $150 $1,771 $148
Nitro SXT 4WD $380 $686 $500 $30 $150 $1,771 $148
Nitro Shock 2WD $380 $686 $500 $30 $150 $1,771 $148
Nitro Detonator 4WD $380 $686 $500 $30 $150 $1,771 $148
Nitro Shock 4WD $430 $686 $500 $30 $150 $1,821 $152
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Dodge Nitro insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $184 $298 $500 $30 $150 $1,162 $97
Nitro SE 2WD $184 $298 $500 $30 $150 $1,162 $97
Nitro SE 4WD $210 $298 $500 $30 $150 $1,188 $99
Nitro SXT 2WD $210 $298 $500 $30 $150 $1,188 $99
Nitro Heat 4WD $210 $298 $500 $30 $150 $1,188 $99
Nitro Detonator 2WD $210 $362 $500 $30 $150 $1,252 $104
Nitro SXT 4WD $210 $362 $500 $30 $150 $1,252 $104
Nitro Shock 2WD $210 $362 $500 $30 $150 $1,252 $104
Nitro Detonator 4WD $210 $362 $500 $30 $150 $1,252 $104
Nitro Shock 4WD $238 $362 $500 $30 $150 $1,280 $107
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in specific Fresno garaging location which can impact premiums greatly.

Based on these figures, using a $100 deductible would cost the average driver about $41 more each month or $492 annually than buying the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 22 months between claims, you would probably come out ahead if you choose the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $100 deductibles: $142
Average monthly premium for $1,000 deductibles (subtract): - $101
Monthly savings from raising deductible: $41
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $41
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

Impact of careless driving on auto insurance rates

The information below shows how traffic citations and accidents can influence Dodge Nitro insurance costs for each different age category. The information is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Do you need full coverage?

The example below shows the comparison of Dodge Nitro annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comprehensive and collision coverage

There is no specific rule for phasing out comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's say your Dodge Nitro settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $5,000 after paying the physical damage deductible. If it's costing in excess of $500 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few cases where removing full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Car insurance is not optional but you don't have to overpay

Even though it can be expensive, insurance is required in California but it also protects you in many ways.

  • Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your Nitro has a lienholder, almost every bank will require that you buy full coverage to guarantee their interest in the vehicle. If the policy lapses, the bank will be required to insure your Dodge at an extremely high rate and force you to pay the higher premium.
  • Car insurance preserves both your Dodge Nitro and your assets. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance are without a doubt worth the cost, particularly for liability claims. Despite what companies tell you, the average driver is overpaying over $810 a year so smart consumers compare quotes once a year at a minimum to save money.

Why Smart Buyers Pay Less for Dodge Nitro Insurance

Lots of things are considered when you quote your car insurance policy. Some are obvious such as your driving record, but other factors are more transparent such as whether you are married or how financially stable you are.

Listed below are some of the most rate-impacting factors utilized by car insurance companies to help set your premiums.

Stay claim-free and reduce auto insurance rates - If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Auto insurance companies in California award lower rates to policyholders who file claims infrequently. Insurance coverage is intended for claims that pose a financial burden.

Your age impacts your costs - Teenage drivers in California tend to be careless and easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher. If you've ever had to add a teen driver to your auto insurance policy can be quite pricey. More experienced drivers are viewed as being more responsible, tend to file fewer claims, and receive fewer citations.

The data below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

Coverage lapses raise rates - Going without insurance is a sure-fire way to increase your renewal premiums. In addition to paying higher rates, the inability to provide proof of insurance might get you a hefty fine and possibly a revoked license.

Does auto insurance cost less for gals? - Over the last 50 years, statistics have shown women tend to be less risk to insure than men. This data doesn't prove that men are worse drivers. Both genders tend to get into at-fault accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like reckless driving and DUI.

The illustration below shows the difference between Dodge Nitro insurance rates for male and female drivers. The data is based on no accidents or driving violations, comp and collision included, $500 deductibles, single status, and no policy discounts are applied.

Discounts for auto and home policies - Some auto insurance companies afford better rates to policyholders who carry more than one policy. It's known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, you still need to compare other company rates to help ensure you have the lowest rates.

Do you need those extra policy coverages? - Insurance companies have many extra add-on coverages that sound like a good idea at the time if you don't pay attention. Coverage for things like rental car coverage, better glass coverage, and membership fees may be costing you every month. These may sound like a good investment when talking to your agent, but if you've never needed them in the past eliminate them to save money.

Don't skimp on liability coverage - The liability coverage on your policy is the coverage that protects you when a court rules you are at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost a lot. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.

One last thing to lower rates

Budget-conscious Dodge Nitro insurance can be bought from both online companies and also from your neighborhood Fresno agents, and you should compare price quotes from both to have the best selection. A few companies may not have the ability to get quotes online and many times these small, regional companies provide coverage only through independent agents.

When buying insurance coverage, make sure you don't buy less coverage just to save a little money. In many cases, an insured cut full coverage only to regret that it was a big error on their part. The aim is to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

How to buy affordable Dodge Nitro insurance in Fresno

To save the most money, the best way to get budget Dodge Nitro insurance in Fresno is to begin comparing prices regularly from different companies in California.

  • First, try to understand how auto insurance works and the factors you can control to keep rates in check. Many things that drive up the price such as speeding tickets, careless driving and an unacceptable credit rating can be improved by making minor changes in your lifestyle.
  • Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO or State Farm, while independent agents can provide price quotes from multiple insurance companies. Select a company
  • Third, compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.
  • Fourth, provide proper notification to your current company of your intent to cancel the current policy and submit a down payment and signed policy application to your new insurance company. Be sure to keep the new proof of insurance certificate along with the vehicle's registration papers.

One key aspect of rate comparisons is to use the same coverage limits and deductibles on each price quote and and to get quotes from every insurance company. This helps ensure an accurate price comparison and plenty of rates choose from.

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