Cheapest 2007 Dodge Nitro Insurance Rates in 2023
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UPDATED: May 12, 2022
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Trying to find cheaper insurance rates for your Dodge Nitro? I can’t think of a single person who enjoys paying for insurance, especially knowing the cost is too high. Big companies like State Farm, Progressive and GEICO constantly bombard you with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
Do you qualify for a discount?
Companies do not list all available discounts very clearly, so we took the time to find both the well known and also the lesser-known insurance savings. If you’re not getting every credit available, you are paying more than you should be.
- Discount for Life Insurance – Some companies give a discount if you purchase life insurance.
- Organization Discounts – Being a member of a professional or civic organization could qualify you for a break on your policy for Nitro insurance.
- Defensive Driver – Successfully completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
- Paperwork-free – A few companies give back up to $50 for buying a policy and signing up online.
- Accident Forgiveness – Certain companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
- Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.
- Multiple Vehicles – Buying insurance for multiple vehicles on the same insurance policy may reduce the rate for each vehicle.
- Homeowners Discount – Owning a home may earn you a small savings because owning a home demonstrates responsibility.
- Drive Less and Save – Driving fewer miles could qualify for better rates on cars that stay parked.
- Save with a New Car – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
A little note about advertised discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
To see a list of providers with the best insurance discounts, click here.
What coverages do I need?
When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.
- Do all my vehicles need collision coverage?
- What can I do if my company denied a claim?
- What if I owe more than I can insure my car for?
- Is my trailer covered?
- What vehicles should carry emergency assistance coverage?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Do I need higher collision deductibles?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Insurance coverage options for a Dodge Nitro
Having a good grasp of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for EMT expenses, rehabilitation expenses, hospital visits, nursing services and chiropractic care. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like theft, rock chips in glass, hitting a deer, hitting a bird and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things such as backing into a parked car, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.
Coverage for liability – This coverage can cover damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.
Liability can pay for things like bail bonds, medical services and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Dodge Nitro.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.
Find Good Coverage for Less
We just showed you quite a bit of information on how to shop for 2007 Dodge Nitro insurance online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may even find the best price on insurance is with a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.
As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your focus should be to buy the best coverage you can find at the best price, not the least amount of coverage.
More tips and info about insurance can be found by following these links:
- Distracted Driving Statistics (Insurance Information Insitute)
- Understanding your Policy (NAIC.org)
- Information for Teen Drivers (GEICO)
- Crash Avoidance Technologies FAQ (iihs.org)
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