Best Quotes for Dodge Nitro Insurance in San Antonio

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Are you looking for lower-priced Dodge Nitro insurance in San Antonio? No normal person loves paying for auto insurance, especially when they are aware that they could find better rates elsewhere.

Discount Dodge Nitro insuranceAstonishing but true, most auto insurance customers kept buying from the same company for four years or more, and roughly 40% of drivers have never even compared rates from other companies. Most drivers in Texas can save almost 70% each year, but they mistakenly think it's difficult to compare rates.

Lots of car insurance companies contend for your insurance dollar, and it can be difficult to compare rates to get the lowest price on Dodge Nitro insurance in San Antonio.

You need to quote other rates before your next renewal due to the fact that insurance rates are usually higher with each renewal. Even if you think you had the best rate on Dodge Nitro insurance in San Antonio last year the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because we're going to demonstrate the things you must know in order to lower your rates without sacrificing coverage.

If you currently have a car insurance policy, you will definitely be able to find the best rates using this strategy. Choosing the most cost-effective auto insurance policy in San Antonio is easy if you know what you're doing. Nevertheless, Texas vehicle owners can benefit from knowing how the larger insurance companies market insurance on the web and use it to find better rates.

When looking for affordable San Antonio auto insurance quotes, there are a couple ways to get quotes from lots of Texas auto insurance companies. The fastest way to find cheaper rates consists of obtaining rate quotes online.

Comparing rate quotes online is fast and free, and it makes it obsolete to waste gas driving to each insurance agency near you. The ability to get quotes online has reduced the need for local agents unless you want the trained guidance that only a licensed agent can provide. It is possible with some companies compare online quotes but buy from a local insurance agent.

When comparing auto insurance rates, know that comparing all the rates in your area helps improve the odds of finding the best offered rates. Some regional insurers cannot provide online rate quotes, so you need to compare price estimates from those companies as well.

The companies in the list below offer free quotes in San Antonio, TX. If multiple companies are listed, we suggest you visit several of them to get the cheapest price.

Rates and data analysis

The rate table displayed below outlines a range of insurance coverage prices for Dodge Nitro models. Having a better understanding of how insurance policy premiums are figured can help you make informed coverage decisions.

Dodge Nitro Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $260 $448 $444 $26 $132 $1,310 $109
Nitro SE 2WD $260 $448 $444 $26 $132 $1,310 $109
Nitro SE 4WD $298 $448 $444 $26 $132 $1,348 $112
Nitro SXT 2WD $298 $448 $444 $26 $132 $1,348 $112
Nitro Heat 4WD $298 $448 $444 $26 $132 $1,348 $112
Nitro Detonator 2WD $298 $544 $444 $26 $132 $1,444 $120
Nitro SXT 4WD $298 $544 $444 $26 $132 $1,444 $120
Nitro Shock 2WD $298 $544 $444 $26 $132 $1,444 $120
Nitro Detonator 4WD $298 $544 $444 $26 $132 $1,444 $120
Nitro Shock 4WD $336 $544 $444 $26 $132 $1,482 $124
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in specific location information which can lower or raise coverage rates noticeably.

Policy deductible comparison

A question often asked by San Antonio drivers is what deductibles to buy. The rates shown below lay out the price difference between low and high comp and collision deductibles. The first data table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.

Dodge Nitro insurance 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 rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $208 $328 $430 $26 $128 $1,120 $93
Nitro SE 2WD $208 $328 $430 $26 $128 $1,120 $93
Nitro SE 4WD $240 $328 $430 $26 $128 $1,152 $96
Nitro SXT 2WD $240 $328 $430 $26 $128 $1,152 $96
Nitro Heat 4WD $240 $328 $430 $26 $128 $1,152 $96
Nitro Detonator 2WD $240 $400 $430 $26 $128 $1,224 $102
Nitro SXT 4WD $240 $400 $430 $26 $128 $1,224 $102
Nitro Shock 2WD $240 $400 $430 $26 $128 $1,224 $102
Nitro Detonator 4WD $240 $400 $430 $26 $128 $1,224 $102
Nitro Shock 4WD $270 $400 $430 $26 $128 $1,254 $105
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Table data does not factor in specific zip code location which can revise insurance rates noticeably.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $24 more each month or $288 for a full year than buying the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you average at least 17 months between claims, you would come out ahead by selecting a higher deductible.

The information below shows how choosing a deductible and can raise or lower Dodge Nitro insurance premiums for different categories of driver ages. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Drive safe and save

The chart below illustrates how speeding tickets and accident claims can affect Dodge Nitro auto insurance rates for different age categories. The costs are based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.

Male drivers versus female drivers

The information below compares Dodge Nitro yearly insurance costs for male and female drivers. Data assumes no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

What Impacts Dodge Nitro Insurance Rates?

Lots of things are part of the equation when you get your auto insurance bill. Most are fairly basic like an MVR report, although others are more obscure like where you live or how financially stable you are.

  • Location can influence price - Having an address in less populated areas of the country is a positive aspect when it comes to car insurance. Drivers in populated areas have more road rage incidents and a longer drive to work. Fewer drivers and short commutes corresponds to lower accident rates and a lower car theft rate.
  • Job stress can affect premiums - Did you know that where you work can have an impact on rates? Jobs like lawyers, social workers, and financial analysts generally pay higher premiums than the average policyholder attributed to stressful work requirements and extremely grueling work hours. On the other hand, occupations such as scientists, students and retirees pay the least.
  • Save money by having good credit - Credit score can be a huge factor in calculating your car insurance rates. People that have high credit scores tend to be more responsible as compared to drivers with worse credit. If your credit score can use some improvement, you could be paying less to insure your Dodge Nitro if you improve your credit rating.
  • Lower rates with a multi-policy discount - Most insurance companies provide lower prices to buyers that have more than one policy, otherwise known as a multi-policy discount. The discount can be ten or even up to twenty percent in some cases. Even with this discount, you may still want to compare Dodge Nitro rates in San Antonio to help ensure you have the lowest rates.
  • Older drivers pay less - Inexperience drivers are proven to get distracted easily when driving with friends therefore car insurance rates are much higher. If you've ever had to add a teenage driver onto a policy can cause a big jump in price. More experienced drivers are more responsible, cause fewer claims and accidents, and are generally more financially stable.

    The next chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Pay less after the wedding - Having a wife or husband may save some money when shopping for car insurance. Marriage translates into being more mature and it's statistically proven that being married results in fewer claims.

Why auto insurance is not optional

Despite the high cost, maintaining insurance may not be optional for several reasons.

  • Most states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability protection if you drive a vehicle. 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.
  • If you have a lien on your Dodge, more than likely the lender will have a requirement that you have comprehensive coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may buy a policy for your Dodge for a much higher rate and force you to pay the higher price.
  • Auto insurance protects both your vehicle and your personal assets. It will also reimburse you for medical transport and hospital expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance more than offset the price you pay, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is wasting up to $700 annually so it's recommended you shop around each time the policy renews to make sure the price is not too high.