Save Money on Dodge Nitro Insurance in Irvine

Discount Dodge Nitro insuranceAnyone knows that auto insurance companies don’t want you comparing rates. Insureds who shop around for cheaper rates will most likely buy a new policy because of the good chance of finding a lower rate. A recent survey discovered that drivers who routinely compared rates saved approximately $865 a year compared to those who don’t make a habit of comparing rates.

If finding the best price on Dodge Nitro insurance in Irvine is the reason you’re reading this, then understanding how to shop for insurance coverage can make it easier to find better rates.

It takes a little time, but the best way to find low-cost prices for Dodge Nitro insurance is to compare prices once a year from different companies who can sell car insurance in Irvine. This can be done by completing these steps.

One piece of advice is to compare similar coverage information on each quote and and to analyze as many car insurance companies as possible. This provides an accurate price comparison and the best rate selection.

Most companies provide price estimates online. Doing online quotes for Dodge Nitro insurance in Irvine is pretty painless as you just enter your coverage information into the quote form. When the form is submitted, their rating system obtains your driving record and credit report and provides a quote based on these factors. Using the web to get quotes for Dodge Nitro insurance in Irvine makes it easy to compare insurance prices and it is important to perform this step in order to find the most affordable auto insurance rates.

To quickly find out what other companies charge, take a look at the companies shown below. To compare your current rates, we recommend you type in the coverages as close as possible to your current policy. This guarantees you will have rate quotes using the same coverage and limits.

The companies shown below are our best choices to provide free quotes in Irvine, CA. In order to find the cheapest car insurance in CA, we recommend you visit several of them to find the most competitive auto insurance rates.

Dodge Nitro coverage analysis

The data table displayed next highlights a range of rate quotes for Dodge Nitro models. Understanding how car insurance premiums are formulated can be useful when making smart choices when selecting a policy.

Dodge Nitro Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $230 $392 $470 $28 $140 $1,260 $105
Nitro SE 2WD $230 $392 $470 $28 $140 $1,260 $105
Nitro SE 4WD $262 $392 $470 $28 $140 $1,292 $108
Nitro SXT 2WD $262 $392 $470 $28 $140 $1,292 $108
Nitro Heat 4WD $262 $392 $470 $28 $140 $1,292 $108
Nitro Detonator 2WD $262 $478 $470 $28 $140 $1,378 $115
Nitro SXT 4WD $262 $478 $470 $28 $140 $1,378 $115
Nitro Shock 2WD $262 $478 $470 $28 $140 $1,378 $115
Nitro Detonator 4WD $262 $478 $470 $28 $140 $1,378 $115
Nitro Shock 4WD $296 $478 $470 $28 $140 $1,412 $118
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rates do not factor in specific location information which can change prices greatly.

Responsible drivers pay cheaper Irvine auto insurance rates

The illustration below demonstrates how traffic citations and at-fault collisions impact Dodge Nitro auto insurance costs for different age categories. The prices are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied.

Rate comparison of males versus females

The diagram below visualizes the comparison of Dodge Nitro insurance premiums for male and female drivers. The data is based on no claims or driving violations, full coverage, $100 deductibles, drivers are not married, and no discounts are factored in.

Dodge Nitro liability rates compared to full coverage

The diagram below compares Dodge Nitro car insurance rates with full coverage and liability only. The premiums are based on no violations or claims, $250 deductibles, single marital status, and no discounts are taken into consideration.

When to buy liability coverage only

There is no exact rule of when to drop physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Dodge Nitro settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying the physical damage deductible. If you are currently paying more than $600 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few situations where only buying liability is not recommended. If you still have a loan on your vehicle, 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 case of an accident, you should keep full coverage in place.

Insurance Rate Influencing Factors

Lots of things are taken into consideration when quoting car insurance. Most are fairly basic such as your driving history, but some are not quite as obvious such as your marital status or your financial responsibility.

Protect your Nitro and other assets

Even though it’s not necessarily cheap to insure a Dodge in Irvine, buying car insurance is required in California but also provides important benefits.

The benefits of carrying enough insurance are without a doubt worth the cost, especially for larger claims. According to a recent study, the average American driver overpays more than $850 per year so we recommend shopping around at every renewal to be sure current rates are still competitive.