Dodge Nitro Insurance Quotes in Laredo

Discount Dodge Nitro insuranceWant to know an easy way to compare more affordable insurance rates in Laredo, TX? Laredo consumers have a choice when looking for low-cost Dodge Nitro insurance. You can either waste hours calling around getting price quotes or use the internet to compare rates. There are both good and bad ways to find insurance online so you’re going to learn the proper way to compare rates on a Dodge and find the cheapest rates either online or from Laredo insurance agents.

Finding the cheapest auto insurance coverage in Laredo is really not that difficult. If you currently have auto insurance, you will most likely be able to reduce premiums using the techniques presented in this article. Comparison shoppers just need to understand the tricks to shop for auto insurance online from multiple companies.

Best Dodge Nitro insurance rates in Texas

The providers in the list below are our best choices to provide price comparisons in Texas. To get cheap car insurance in Laredo, it’s a good idea that you visit as many as you can to find the most affordable car insurance rates.

Insurance coverage analysis

The rate information displayed below outlines a range of insurance premium costs for Dodge Nitro models. Learning a little about how insurance prices are formulated is important for drivers to make informed decisions when comparing rates.

Dodge Nitro Insurance Rates in Laredo, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $278 $476 $440 $26 $132 $1,352 $113
Nitro SE 2WD $278 $476 $440 $26 $132 $1,352 $113
Nitro SE 4WD $318 $476 $440 $26 $132 $1,392 $116
Nitro SXT 2WD $318 $476 $440 $26 $132 $1,392 $116
Nitro Heat 4WD $318 $476 $440 $26 $132 $1,392 $116
Nitro Detonator 2WD $318 $580 $440 $26 $132 $1,496 $125
Nitro SXT 4WD $318 $580 $440 $26 $132 $1,496 $125
Nitro Shock 2WD $318 $580 $440 $26 $132 $1,496 $125
Nitro Detonator 4WD $318 $580 $440 $26 $132 $1,496 $125
Nitro Shock 4WD $358 $580 $440 $26 $132 $1,536 $128
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in specific location which can raise or lower price quotes considerably.

Choosing deductibles

One of the more difficult decisions when buying insurance is the level to set your comp and collision deductibles. The data tables below illustrate the costs and benefits when you buy lower versus higher policy deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.

Dodge Nitro insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $256 $408 $430 $26 $128 $1,273 $106
Nitro SE 2WD $256 $408 $430 $26 $128 $1,273 $106
Nitro SE 4WD $294 $408 $430 $26 $128 $1,311 $109
Nitro SXT 2WD $294 $408 $430 $26 $128 $1,311 $109
Nitro Heat 4WD $294 $408 $430 $26 $128 $1,311 $109
Nitro Detonator 2WD $294 $496 $430 $26 $128 $1,399 $117
Nitro SXT 4WD $294 $496 $430 $26 $128 $1,399 $117
Nitro Shock 2WD $294 $496 $430 $26 $128 $1,399 $117
Nitro Detonator 4WD $294 $496 $430 $26 $128 $1,399 $117
Nitro Shock 4WD $332 $496 $430 $26 $128 $1,437 $120
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Dodge Nitro insurance policy 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
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can change insurance rates substantially.

Using the data above, we can ascertain that using a $250 deductible costs approximately $14 more each month or $168 every year averaged for all Nitro models than selecting the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 18 months between claims, you would probably come out ahead going with the higher deductible. The illustration below shows a better example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $113
Average monthly premium for $500 deductibles (subtract): – $99
Monthly savings from raising deductible: $14
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to be aware of is that a higher deductible level means you will have to pay more out-of-pocket when you have a physical damage claim. You will want to have enough money in the bank in the event you have to pay the deductible to have repairs made.

Does full coverage make sense?

The illustration below compares Dodge Nitro insurance costs when comparing full coverage to liability only. The price estimates are based on no claims or driving violations, $1,000 deductibles, single marital status, and no discounts are factored in.

Should you pay for full coverage or liability only?

There isn’t a written rule for dropping comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Dodge Nitro claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after the deductible is paid. If you are paying in excess of $500 a year for your policy with full coverage, then it might be time to buy liability only.

There are some situations where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Cheaper Laredo auto insurance rates with discounts

Insuring your vehicles can cost a lot, but you may qualify for discounts to reduce the price significantly. A few discounts will be applied when you get a quote, but lesser-known reductions have to be requested specifically before they will apply.Save money with discounts

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think all the discounts add up to a free policy, it just doesn’t work that way.

The chart below visualizes the comparison of Dodge Nitro insurance costs with and without some available policy discounts. The premiums assume a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, multi-car, and homeowner discounts applied.

Companies and the discounts they provide can be found below.

Before buying, ask every company which credits you are entitled to. Some discounts listed above might not apply everywhere.

Insurance agents can help

When quoting and comparing coverage for your vehicles, there really is no one-size-fits-all type of policy. Your needs are not the same as everyone else’s and your policy should reflect that.Higher deductibles save money
For example, these questions could help you determine whether or not you will benefit from professional help.

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Local neighborhood Laredo car insurance agents

A small number of people would prefer to visit with an insurance agent and we recommend doing that Experienced insurance agents can help determine the best coverages and help submit paperwork. One of the great benefits of comparing insurance prices online is the fact that you can find lower rates and still buy from a local agent.

Insurance agency in LaredoTo find an agent, once you fill out this form (opens in new window), the coverage information is sent to companies in Laredo who will give you bids for your auto insurance coverage. You don’t have to do any legwork since price quotes are sent to the email address you provide. If you need to get a comparison quote from a particular provider, don’t hesitate to find their quoting web page and give them your coverage information.

Finding a good company requires you to look at more than just a cheap quote. Any agent in Laredo should be willing to answer these questions.

If you want to use a local Laredo insurance agency, there are two types of insurance agents and how they work. Insurance agencies in Laredo may be either independent or exclusive. Both types of agents can sell auto insurance policies, but it is important to understand how they are different because it may have an impact on your agent selection.

Exclusive Agencies

These type of agents can only provide one company’s prices and some examples include Farmers Insurance, Allstate, or State Farm. They generally cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. They receive a lot of sales training in insurance sales and that can be a competitive advantage. Many people use the same exclusive agent mostly because of the brand rather than low rates.

Shown below is a list of exclusive agencies in Laredo who can help you get comparison quotes.

More insurance agents

Independent Agents

Independent agencies can quote rates with many companies so they can quote policies with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your policy is moved internally without you having to go to a different agency.

When searching for an agent, you definitely need to compare quotes from a few independent agents for maximum quote selection. Most also have access to smaller mutual companies that may have much lower rates than larger companies.

The following are Laredo independent agencies willing to provide comparison quotes.

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Auto insurance coverage information

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for doctor visits, prosthetic devices, hospital visits, dental work and ambulance fees. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law (30/60/25 in Texas), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage

Collision insurance covers damage to your Nitro from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible on your Nitro in order to get cheaper collision rates.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to other people or property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 30/60/25 which means $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims like loss of income, attorney fees and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Texas state minimum liability requirements are 30/60/25 but it’s recommended drivers buy more coverage.

The illustration below shows why buying the state minimum limits may not be high enough to adequately cover claims.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, fire damage, damage from getting keyed, falling objects and hitting a bird. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Do the work, save more money

When shopping online for insurance, it’s very important that you do not reduce needed coverages to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage at a price you can afford.

Cost effective Dodge Nitro insurance is possible on the web and with local Laredo insurance agents, so you need to shop Laredo car insurance with both to have the best selection. Some insurance companies do not offer rate quotes online and most of the time these small insurance companies sell through independent insurance agencies.

Steps to finding more affordable Dodge Nitro insurance in Laredo

The best way we recommend to get low-cost Dodge Nitro insurance is to start comparing rates regularly from insurance carriers who can sell car insurance in Laredo. This can be done by following these steps.

  1. Try to learn about the different coverages in a policy and the changes you can make to prevent high rates. Many things that increase rates like traffic violations, accidents, and poor credit history can be amended by making small lifestyle or driving habit changes.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive and State Farm, while independent agencies can give you price quotes from multiple companies. View companies
  3. Compare the new rate quotes to your existing policy and see if you can save money. If you find better rates, make sure coverage is continuous and does not lapse.
  4. Provide notification to your current company to cancel your current policy. Submit payment and a signed application for your new coverage. Once the application is submitted, safely store the certificate verifying coverage in an easily accessible location.

The key thing to know about shopping around is to use the same deductibles and limits on every quote request and and to analyze as many different companies as possible. This provides an apples-to-apples comparison and the most accurate and complete price analysis.

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