Cheapest Rate Quotes for Dodge Nitro Insurance in Austin

Insurance rates Dodge Nitro in AustinAre you tired of overpaying and want the cheapest Dodge Nitro insurance in Austin? Are you at wits end from sacrificing other expenses to buy car insurance? You are in the same boat as the majority of other vehicle owners in Texas.

Shockingly, a large majority of consumers have remained with the same car insurance company for four years or more, and nearly 40% of drivers have never even compared quotes to find cheap rates. Many drivers in Texas could save roughly 70% every year, but most undervalue the benefits if they bought a different policy. Due to the large number of different company options, it can be diffult for drivers to locate the best company.

You need to do price comparisons once or twice a year since prices are constantly changing. Even if you think you had the best rate on Dodge Nitro insurance in Austin six months ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to learn the proper way to find better rates and still maintain coverage.

Finding cheap auto insurance prices isn’t really that difficult. Consumers just need to spend a few minutes on the computer to compare rates from some recommended companies.

It’s so fast and easy to compare quotes online that it replaces the need to make phone calls or go to local insurance agencies. Comparing Dodge Nitro insurance rate quotes online has reduced the need for local agents unless you require the professional abilities that only an agent can give. Although, it is possible price shop your coverage online but buy from a local insurance agent.

The companies shown below offer price comparisons in Austin, TX. If more than one company is shown, we recommend you click on several of them to get a more complete price comparison.

Dodge Nitro Insurance Rates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $180 $322 $486 $28 $146 $1,162 $97
Nitro SE 2WD $202 $322 $440 $26 $132 $1,122 $94
Nitro SE 4WD $142 $218 $414 $24 $124 $922 $77
Nitro SXT 2WD $294 $408 $430 $26 $128 $1,286 $107
Nitro Heat 4WD $174 $290 $560 $34 $168 $1,226 $102
Nitro Detonator 2WD $326 $610 $582 $34 $174 $1,726 $144
Nitro SXT 4WD $218 $368 $444 $26 $132 $1,188 $99
Nitro Shock 2WD $206 $392 $452 $26 $136 $1,212 $101
Nitro Detonator 4WD $282 $610 $486 $28 $146 $1,552 $129
Nitro Shock 4WD $318 $560 $560 $34 $168 $1,640 $137
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Information does not factor in specific Austin garaging location which can modify premium rates greatly.

Physical damage deductible comparison

When buying auto insurance, a common question is at what level do you set your deductibles. The following tables determine the rate differences when you buy lower versus higher physical damage deductibles. The first pricing table uses a $100 deductible and the second pricing table uses a $1,000 deductible.

Dodge Nitro insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $286 $486 $430 $26 $128 $1,381 $115
Nitro SE 2WD $286 $486 $430 $26 $128 $1,381 $115
Nitro SE 4WD $328 $486 $430 $26 $128 $1,423 $119
Nitro SXT 2WD $328 $486 $430 $26 $128 $1,423 $119
Nitro Heat 4WD $328 $486 $430 $26 $128 $1,423 $119
Nitro Detonator 2WD $328 $592 $430 $26 $128 $1,529 $127
Nitro SXT 4WD $328 $592 $430 $26 $128 $1,529 $127
Nitro Shock 2WD $328 $592 $430 $26 $128 $1,529 $127
Nitro Detonator 4WD $328 $592 $430 $26 $128 $1,529 $127
Nitro Shock 4WD $370 $592 $430 $26 $128 $1,571 $131
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Dodge Nitro insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $158 $256 $430 $26 $128 $998 $83
Nitro SE 2WD $158 $256 $430 $26 $128 $998 $83
Nitro SE 4WD $182 $256 $430 $26 $128 $1,022 $85
Nitro SXT 2WD $182 $256 $430 $26 $128 $1,022 $85
Nitro Heat 4WD $182 $256 $430 $26 $128 $1,022 $85
Nitro Detonator 2WD $182 $312 $430 $26 $128 $1,078 $90
Nitro SXT 4WD $182 $312 $430 $26 $128 $1,078 $90
Nitro Shock 2WD $182 $312 $430 $26 $128 $1,078 $90
Nitro Detonator 4WD $182 $312 $430 $26 $128 $1,078 $90
Nitro Shock 4WD $206 $312 $430 $26 $128 $1,102 $92
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in specific Austin garaging location which can influence auto insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $36 more each month or $432 annually than selecting the higher $1,000 deductible. Because you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 25 months between claims, you would save more money if you opt for a higher deductible.

How to calculate deductible break even point

Average monthly premium for $100 deductibles: $123
Average monthly premium for $1,000 deductibles (subtract): – $87
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Cheaper rates on Dodge Nitro insurance in Austin with these discounts

Auto insurance companies do not advertise the complete list of policy discounts in an easy-to-find place, so the list below contains some of the more common and the harder-to-find auto insurance savings. If you are not receiving all the discounts you deserve, you could be getting lower rates.Save money with discounts

One thing to note about discounts is that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. Just because you may think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

If you would like to choose from a list of companies who offer cheap Dodge Nitro insurance quotes in Austin in Austin, click here.

Insurance agent or online?

A lot of people just want to get advice from a local agent and there is nothing wrong with that. Good insurance agents can point out coverage gaps and help submit paperwork. An additional benefit of price shopping on the web is you can get lower premium rates and also buy local.

Austin insurance agentsAfter filling out this short form, your insurance data is sent to participating agents in Austin who will return price quotes for your insurance coverage. You won’t even need to do any legwork due to the fact that quote results will go immediately to you. If you have a need to get a rate quote from a specific insurance company, just jump over to their website to submit a rate quote request.

Selecting an insurance company should depend on more than just the quoted price. Before buying a policy in Austin, get answers to these questions.

Insurance agent types

If you want an insurance agent, it helps to know the two different types of agencies and how they differ in how they can insure your vehicles. Agents in Austin may be either exclusive agents or independent agents. Either can sell and service auto insurance coverage, but it is important to understand the difference between them since it can affect buying decisions.

Exclusive Auto Insurance Agents

Exclusive insurance agents are contracted to one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their company’s products and that enables them to sell even at higher rates.

Below are exclusive agents in Austin who can help you get price quote information.

5446 W US Hwy 290 Service Rd #104Austin, TX 78735(512) 892-3527View Map

10711 Burnet Rd #102Austin, TX 78758(512) 837-4210View Map

5145 N FM 620 b170Austin, TX 78732(512) 458-2593View Map

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Independent Agencies or Brokers

Independent agents are not required to write business for one company and that gives them the ability to insure with an assortment of companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house which is easy for the insured. When comparing auto insurance rates, you will definitely want to get insurance quotes from a couple of independent agencies to ensure the widest selection of prices.

Below are Austin independent insurance agencies who can help you get price quote information.

7950 Anderson Square Suite 101Austin, TX 78757(512) 454-4511View Map

824 W 10th StAustin, TX 78701(512) 472-6969View Map

512 W Stassney Ln #113Austin, TX 78745(512) 445-5555View Map

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Smart Consumers Can Lower Their Insurance Costs

Many things are considered when premium rates are determined. Some are pretty understandable such as your driving history, but other criteria are more obscure like your continuous coverage or your vehicle rating.

The itemized list below are a few of the “ingredients” that factor into your premiums.

Drive a fast car and pay more – The type of car you need to insure makes a big difference in your rates. Since the Dodge Nitro falls in the passenger car class, insuring your vehicle will cost similar in price or lower as compared to the average rate in Austin. Lower performance four cylinder passenger models usually have the lowest premiums, but the cost you end up paying is determined by many additional factors.

Premiums are affected by your credit score – Having a good credit history is a large factor in calculating your premium rate. Consumers who have good credit tend to be more responsible as compared to drivers with poor credit scores. Therefore, if your credit score can be improved, you could save money insuring your Dodge Nitro by taking the time to improve your credit score.

File a policy claims and pay more – Insurance companies in Texas award the best rates to people who do not file claims often. If you’re an insured who likes to file claims you can pretty much guarantee higher rates. Your car insurance is meant to be used in the event of claims that pose a financial burden.

Add-on coverages can add up – There are quite a few additional coverages that can add up if you aren’t diligent. Add-on coverages like rental car coverage, better glass coverage, and extra equipment coverage are probably not needed. They may sound like good ideas when deciding what coverages you need, but your needs may have changed so remove them from your policy.

Comp and collision deductibles are a factor – Protection for physical damage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Some instances where coverage would apply would be colliding with a building, hail damage, and burglary. Comp and collision deductibles tell how much you are willing to pay if you file a covered claim. The higher the amount the insured is willing to pay, the better rate you will receive.

Your location is a factor – Residing in a small town can be a good thing if you are looking for the lowest rates. Less people translates into fewer accidents. Residents of big cities have to deal with more road rage incidents and more time behind the wheel. More time commuting means more chance of being in an accident.

Expect high rates for teens – Older drivers tend to be more responsible, file fewer claims, and are safer drivers.Inexperience drivers are statistically shown to get distracted easily in a vehicle so they pay higher insurance rates.

Auto insurance is not optional but you don’t have to overpay

Even though it can be expensive, auto insurance is required in Texas but also provides important benefits.

First, most states have minimum mandated liability insurance limits which means state laws require specific limits of liability insurance coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your Dodge Nitro with a loan, more than likely the lender will require that you have insurance to ensure loan repayment if the vehicle is totalled. If you do not keep the policy in force, the lender may have to buy a policy to insure your Dodge at an extremely high rate and require you to pay the higher price.

Third, auto insurance preserves not only your car but also your financial assets. Insurance will pay for many types of medical costs that are the result of an accident. Liability coverage will also pay to defend you in the event you are sued. If you have damage to your Dodge as the result of the weather or an accident, collision and comprehensive coverages will cover the repair costs.

The benefits of having auto insurance definitely exceed the price paid, especially for larger claims. Despite what companies tell you, the average driver is overpaying more than $830 a year so you should quote and compare rates at every policy renewal to save money.

Quote more to save more

In this article, we covered a lot of tips how to save on Dodge Nitro insurance in Austin. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

Budget-friendly auto insurance in Austin is attainable online in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide online quoting and most of the time these regional insurance providers sell through independent insurance agencies.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured dropped physical damage coverage to discover at claim time that it was a big error on their part. The aim is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.

More detailed auto insurance information can be found at these sites: