Cheap Rates for Dodge Nitro Insurance in San Jose

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Really, the only way to save money on auto insurance rates in San Jose is to regularly compare prices from different companies that sell auto insurance in California.

  • First, try to understand how insurance works and the measures you can control to drop your rates. Many rating factors that increase rates such as multiple speeding tickets and an imperfect credit score can be eliminated by making small lifestyle or driving habit changes. This article provides additional tips to help prevent high rates and find additional discounts.
  • Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while independent agents can quote prices from multiple companies.
  • Third, compare the quotes to the price on your current policy to see if cheaper Nitro coverage is available. If you find a better price, ensure coverage does not lapse between policies.
  • Fourth, notify your agent or company of your intention to cancel your current policy. Submit a down payment along with a completed application to the new company. As soon as you have the new policy, place the new proof of insurance paperwork in your vehicle.

The key thing to know about shopping around is to try to compare similar coverage information on every quote request and and to get price quotes from as many different companies as possible. This guarantees an accurate price comparison and and a good selection of different prices.

Insurance for Dodge NitroA recent insurance study revealed that the vast majority of consumers in California renewed their policy with the same company for more than four years, and just short of a majority have never compared rates from other carriers. U.S. drivers could save themselves approximately $860 a year by just comparing rate quotes, but they don't believe how much savings they would realize if they changed companies.

This article's goal is to familiarize you with how car insurance quotes work and some money-saving tips. If you already have coverage, you will be able to save money using these techniques. Smart shoppers just need to know the best way to find the lowest price using one simple form.

Dodge Nitro insurance rates and statistics

The premium table shown below showcases a range of insurance policy prices for Dodge Nitro models. Having a good grasp of how insurance rates are figured can help customers make decisions on the best policy coverages.

Dodge Nitro Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $186 $316 $470 $28 $140 $1,140 $95
Nitro SE 2WD $186 $316 $470 $28 $140 $1,140 $95
Nitro SE 4WD $214 $316 $470 $28 $140 $1,168 $97
Nitro SXT 2WD $214 $316 $470 $28 $140 $1,168 $97
Nitro Heat 4WD $214 $316 $470 $28 $140 $1,168 $97
Nitro Detonator 2WD $214 $386 $470 $28 $140 $1,238 $103
Nitro SXT 4WD $214 $386 $470 $28 $140 $1,238 $103
Nitro Shock 2WD $214 $386 $470 $28 $140 $1,238 $103
Nitro Detonator 4WD $214 $386 $470 $28 $140 $1,238 $103
Nitro Shock 4WD $242 $386 $470 $28 $140 $1,266 $106
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate information does not factor in zip code location which can affect price quotes significantly.

Should you raise deductibles?

A question often asked by San Jose drivers is where to set your physical damage deductibles. The tables below may help to illustrate the price difference between low and high insurance deductibles. The first rate table uses a $100 deductible and the second price grid 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 $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 rates 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, claim-free, homeowner, multi-policy, and safe-driver. Rate information does not factor in specific San Jose garaging location which can change auto insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $41 more each month or $492 for a full year averaged for all Nitro models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 22 months between claims, you would most likely save money by selecting a higher deductible.

The information below shows how choosing a deductible and can impact Dodge Nitro insurance premiums for different insured age categories. Data assumes a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Responsible drivers pay cheaper insurance rates

The example below shows how traffic citations and fender-benders increase Dodge Nitro insurance prices for different insured age categories. The rates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

How much more does full coverage cost?

The information below illustrates the difference between Dodge Nitro annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no policy discounts are applied.

When to buy liability coverage only

There is no exact rule that is best for determining when to drop full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let's assume your Dodge Nitro replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after the deductible is paid. If you are paying over $800 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few situations where removing full coverage is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

How Your Nitro Insurance Costs are Determined

Lots of things are part of the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, but other factors are not as apparent such as whether you are married or how safe your car is.

  • Drive lots and pay more - The more miles you rack up on your Dodge in a year's time the more you will pay for insurance. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Cars that have low annual miles qualify for better rates than cars that get driven a lot. Having an incorrect usage rating on your Nitro is just wasting money. It's a good idea to make sure your vehicle rating shows how each vehicle is driven.
  • Liability insurance is cheap - The liability coverage on your policy will afford coverage when you are found liable for causing damage or personal injury in an accident. It will provide legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Your career may increase rates - Occupations like real estate brokers, social workers, and accountants are shown to have higher premium rates attributed to job stress and incredibly demanding work hours. Conversely, careers such as actors, engineers and homemakers generally pay rates lower than average.
  • Increase physical damage deductibles to save - Insurance for physical damage to your car, also called 'full coverage', protects your Dodge from damage. Some examples of covered claims could be a broken windshield, collision with an animal, and rolling your vehicle. Deductibles for physical damage state the amount of money you are required to spend before a claim is paid by your company. The more expense the insured is willing to pay, the less your insurance will be.
  • Credit rating impacts premium premiums - Credit score is a large factor in determining what you pay for insurance. So if your credit rating could use some work, you could save money insuring your Dodge Nitro by repairing your credit. People that have very high credit ratings tend to be less risk to insure than those with bad credit.
  • Always keep your insurance in place - Driving with no insurance is illegal and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, getting caught without coverage may result in a revoked license or a big fine.

Shop smart and save

When shopping online for car insurance, it's very important that you do not reduce needed coverages to save money. There are too many instances where someone sacrificed physical damage coverage only to find out that it was a big error on their part. The proper strategy is to purchase plenty of coverage at the best cost while still protecting your assets.

You just read some good ideas how to save on Dodge Nitro insurance in San Jose. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the most savings is with some of the lesser-known companies. These companies often have lower rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.

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