Cheapest Insurance for a Dodge Nitro in Phoenix

How many times have you said it’s time to compare lower-priced Dodge Nitro insurance in Phoenix? Searching for cheaper insurance for a new or used Dodge Nitro in Arizona can be a lot of work, but you can use these tips to make it easier.

There is a better way to compare auto insurance rates so we’re going to tell you the proper way to quote coverages for a Dodge and locate the lowest possible price from Phoenix insurance agents and online providers.

Astonishng but true according to a recent study, nearly 70% of consumers kept their policy with the same company for more than four years, and nearly half have never compared rates from other carriers. U.S. insurance shoppers could save roughly 46.5% each year just by shopping around, but they just assume it takes a lot of time to shop around.

If you have a current car insurance policy or need a new policy, you can follow these tips to save money without reducing coverage. Quoting and buying the best car insurance coverage in Phoenix is not as difficult as people think. Consumers just need to learn the tricks to quote multiple rates instantly.

The companies in the list below are our best choices to provide price comparisons in Phoenix, AZ. If several companies are displayed, we recommend you visit several of them in order to get a fair rate comparison.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in specific garaging location which can revise auto insurance rates substantially.

How high should deductibles be?

One common question asked by Phoenix drivers is how high should the deductibles for physical damage be. The comparison tables below help summarize the premium difference between low and high comp and collision deductibles. The first data table uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in specific location information which can increase or decrease insurance rates noticeably.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $19 more each month or $228 each year than requesting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 21 months between claim filings, you would come out ahead if you elect the higher deductible.

Rate comparison of men versus women

The diagram below shows the comparison of Dodge Nitro insurance costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.

Save money with these nine discounts

Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but once in a while a discount must be specially asked for prior to getting the savings.

• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
• Paper-free Discount – Many larger companies provide a small discount for buying your policy on the internet.
• Student Discount for Driver Training – Have your child successfully take a driver’s education course in school or through a local driver safety program.
• Federal Employees – Active or former government employment could qualify for a slight premium decrease but check with your company.
• Membership in Organizations – Affiliation with certain professional organizations could earn you a nice discount when getting a Phoenix car insurance quote.
• Good Grades Discount – Performing well in school can save 20 to 25%. This discount can apply until age 25.
• Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
• Theft Deterrent Discount – Vehicles that have factory anti-theft systems can help prevent theft so companies will give you a small discount.
• Seat Belts Save – Forcing all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though you would think you can get free auto insurance, company stockholders wouldn’t be very happy. But all discounts will help reduce the amount you have to pay.

Some companies that possibly offer these benefits may include but are not limited to:

• Progressive
• SAFECO
• American Family
• MetLife
• GEICO
• The Hartford

If you need affordable Dodge Nitro insurance quotes, ask all companies you are considering how you can save money. Some credits may not be offered everywhere. To choose insurance companies that offer multiple discounts in Arizona, click this link.

Insurance agents can help

A lot of people would prefer to buy from a licensed agent and that is OK! Professional agents can answer important questions and give you someone to call. One of the benefits of price shopping on the web is you can get cheaper premium rates and still have an agent to talk to. Supporting small agencies is definitely important in Phoenix.

After filling out this form (opens in new window), your insurance data is transmitted to participating agents in Phoenix that give free quotes and help you find cheaper coverage. You won’t even need to find an agent on your own due to the fact that quote results will go directly to you. If you want to get a price quote from one company in particular, you just need to jump over to their website to submit a rate quote request.

If you are wanting to purchase car insurance from a local insurance agency, you need to know there are two types of insurance agents to choose from. Agencies in Phoenix are either independent or exclusive depending on the company they work for. Either type can write policy coverage, but it is a good idea to know how they are different because it may have an impact on the type of agent you choose.

Independent Insurance Agents

These agents are not limited to a single company and that gives them the ability to insure through many different car insurance companies and find you the best rates. If you are not satisfied with one company, your agent can switch companies and you can keep the same agent. If you are comparing rate quotes, it’s recommended you get some free quotes from at least one independent agent in order to have the best price comparison. Many independent agencies also insure through less well-known companies which can save you money.

Below are independent insurance agents in Phoenix who may provide comparison quotes.

• MiniCo Insurance Agency, LLC
  10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map
• Best Buy Insurance
  3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548 – View Map
• UNO Insurance Agency
  3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map

View more Phoenix agents

Exclusive Car Insurance Agencies

Agents that elect to be exclusive can only write with one company like State Farm, Allstate, and Farm Bureau. These agents are not able to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agencies receive extensive training on their company’s products which helps offset the inability to provide other markets. Consumers often use the same exclusive agent partially due to the prominent brand name instead of buying on price only.

The following are Phoenix exclusive agents who can help you get price quote information.

• Chuck Kelly – State Farm Insurance Agent
  314 E Thomas Rd – Phoenix, AZ 85012 – (602) 277-5776 – View Map
• Lynn Buss – State Farm Insurance Agent
  4022 E Broadway Rd #106 – Phoenix, AZ 85040 – (602) 454-8570 – View Map
• Marcella Busto – State Farm® Insurance Agent
  3401 N 32nd St B – Phoenix, AZ 85018 – (602) 955-5450 – View Map

View more Phoenix agents

Picking an insurance agency should include more criteria than just a cheap quote. Here are some questions you should ask.

• Do the coverages you’re quoting properly cover your vehicle?
• Which insurance companies are they affiliated with?
• Are there any extra charges for paying monthly?
• Will the agent or a CSR service your policy?
• How long have they worked with personal auto insurance coverage?
• Do they specialize in personal lines coverage in Phoenix?
• Do they write coverage based solely on cost?

Car insurance 101

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 15/30/10 that means you have a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for claims like funeral expenses, emergency aid, court costs and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Arizona requires drivers to carry at least 15/30/10 but you should consider buying better liability coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like ambulance fees, doctor visits, EMT expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible on your Nitro to save money on collision insurance.

Comprehensive auto coverage – This covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, theft and a broken windshield. The highest amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Dodge Nitro.

Due to the fact that many Arizona drivers have only the minimum liability required by law (15/30/10 in Arizona), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

You can lower your auto insurance rates

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There have been many cases where someone sacrificed physical damage coverage only to find out that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at the best price, but don’t skip important coverages to save money.

Some auto insurance companies may not provide the ability to get quotes online and many times these small, regional companies prefer to sell through independent agents. Cheaper auto insurance in Phoenix can be bought online in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture.

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, policy cancellation, questionable increases in premium and lack of trust in their agent. Regardless of your reason for switching companies, switching companies can be pretty painless.

More information can be found below:

• Avoiding Deer Collisions (Insurance Information Institute)
• How Much is Car Insurance for Electric Cars in Phoenix? (FAQ)
• Who Has Affordable Phoenix Auto Insurance for a Ford Escape? (FAQ)
• Who Has Cheap Car Insurance Rates for 16 Year Olds in Phoenix? (FAQ)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Tread Depth and Tire Safety (State Farm)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Parking Tips to Reduce Door Dings (State Farm)