Dodge Nitro Insurance Quotes in Greensboro

Are you doing reasearch to find low-cost Dodge Nitro insurance in Greensboro? Do you get overwhelmed by the crazy number of insurance providers that you can choose from? You have so many options that it can easily become a difficult situation to compare prices on Dodge Nitro insurance. If you’ve ever been there, you know that Greensboro is an awesome place to live, but expensive insurance premiums can make it nearly impossible to be able to buy decent coverage.

Insurance for Dodge NitroIt’s safe to conclude that auto insurance companies want to keep your business as long as possible. Consumers who get price comparisons will probably switch to a new company because there is a great chance of finding lower prices. Remarkably, a study showed that consumers who regularly compared price quotes saved an average of $3,450 over four years as compared to drivers who never shopped around.

If finding the lowest price on Dodge Nitro insurance is your goal, understanding the best way to quote and compare cheaper coverage can help simplify the task of finding more affordable coverage.

You should make it a habit to compare prices as often as possible since rates change quite often. Even if you think you had the best premium rates on Dodge Nitro insurance in Greensboro at your last renewal a different company probably has better prices today. There are lots of tips to save on Nitro insurance out there, but in just a couple of minutes you can learn some of the best ways to save money.

Car insurance policy discounts you can’t miss

Auto insurance companies don’t always publicize all possible discounts very clearly, so the list below gives a summary of both the well known and the harder-to-find credits available to lower your premiums when you buy Greensboro auto insurance online.Cheaper car insurance with discounts

Consumers should know that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

The chart below visualizes the comparison of Dodge Nitro auto insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no tickets, no at-fault accidents, North Carolina state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, homeowner, multi-policy, and multi-car discounts applied.

Car insurance companies that have most of these discounts include:

If you need affordable Dodge Nitro insurance quotes, ask every prospective company which discounts can lower your rates. A few discounts might not be offered on policies everywhere. To find providers that offer many of these discounts in Greensboro, click here to view.

When quoting car insurance, remember that comparing more rates from different companies helps you find the best price. Some smaller insurers do not give online price quotes, so it’s important to compare price estimates on coverage from those companies, too.

The companies in the list below are our best choices to provide quotes in Greensboro, NC. To find cheap car insurance in Greensboro, we recommend you visit two to three different companies to get the best price comparison.

Rates and statistics

The data table shown next showcases estimates of insurance costs for Dodge Nitro models. Having a good understanding how car insurance premiums are calculated is important for making smart choices when choosing a car insurance company.

Dodge Nitro Insurance Rates in Greensboro, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $208 $392 $380 $22 $114 $1,116 $93
Nitro SE 2WD $208 $392 $380 $22 $114 $1,116 $93
Nitro SE 4WD $238 $392 $380 $22 $114 $1,146 $96
Nitro SXT 2WD $238 $392 $380 $22 $114 $1,146 $96
Nitro Heat 4WD $238 $392 $380 $22 $114 $1,146 $96
Nitro Detonator 2WD $238 $476 $380 $22 $114 $1,230 $103
Nitro SXT 4WD $238 $476 $380 $22 $114 $1,230 $103
Nitro Shock 2WD $238 $476 $380 $22 $114 $1,230 $103
Nitro Detonator 4WD $238 $476 $380 $22 $114 $1,230 $103
Nitro Shock 4WD $268 $476 $380 $22 $114 $1,260 $105
Get Your Own Custom Quote Go

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in Greensboro location which can decrease or increase auto insurance rates noticeably.

How high should deductibles be?

A question often asked by Greensboro drivers is how high or low should comp and collision deductibles be. The following insurance rates can help you visualize the price difference when you select higher and lower comp and collision deductibles. The first set of prices uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Dodge Nitro insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $168 $266 $282 $16 $84 $841 $70
Nitro SE 2WD $168 $266 $282 $16 $84 $841 $70
Nitro SE 4WD $192 $266 $282 $16 $84 $865 $72
Nitro SXT 2WD $192 $266 $282 $16 $84 $865 $72
Nitro Heat 4WD $192 $266 $282 $16 $84 $865 $72
Nitro Detonator 2WD $192 $324 $282 $16 $84 $923 $77
Nitro SXT 4WD $192 $324 $282 $16 $84 $923 $77
Nitro Shock 2WD $192 $324 $282 $16 $84 $923 $77
Nitro Detonator 4WD $192 $324 $282 $16 $84 $923 $77
Nitro Shock 4WD $218 $324 $282 $16 $84 $949 $79
Get Your Own Custom Quote Go

Dodge Nitro insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $136 $214 $282 $16 $84 $732 $61
Nitro SE 2WD $136 $214 $282 $16 $84 $732 $61
Nitro SE 4WD $156 $214 $282 $16 $84 $752 $63
Nitro SXT 2WD $156 $214 $282 $16 $84 $752 $63
Nitro Heat 4WD $156 $214 $282 $16 $84 $752 $63
Nitro Detonator 2WD $156 $262 $282 $16 $84 $800 $67
Nitro SXT 4WD $156 $262 $282 $16 $84 $800 $67
Nitro Shock 2WD $156 $262 $282 $16 $84 $800 $67
Nitro Detonator 4WD $156 $262 $282 $16 $84 $800 $67
Nitro Shock 4WD $176 $262 $282 $16 $84 $820 $68
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in zip code location which can affect price quotes greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $9 more each month or $108 for a full year than opting for the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 28 months between claims, you would probably be better off going with the higher deductible. The table below shows how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $74
Average monthly premium for $500 deductibles (subtract): – $65
Monthly savings from raising deductible: $9
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $9
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

One important caveat is that increasing deductibles to save money means you pay more out-of-pocket when you have a claim. That will require enough money put aside in the event you have to pay the deductible to have repairs made.

The information below shows how choosing a deductible and can influence Dodge Nitro annual premium costs for each age group. The information is based on a single female driver, comp and collision included, and no discounts are applied.

Difference between liability only and full coverage rates

The illustration below shows the comparison of Dodge Nitro insurance prices with and without physical damage coverage. The costs are based on a clean driving record, no claims, $250 deductibles, single marital status, and no discounts are applied to the premium.

When to stop buying full coverage

There is no clear-cut rule to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s say your Dodge Nitro book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after paying the physical damage deductible. If premiums are more than $600 annually for your policy with full coverage, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Don’t I need to get advice from an insurance agent?

A small number of people prefer to talk to a local agent and doing so can bring peace of mind The biggest benefit of comparing rates online is the fact that drivers can get the lowest rates and still have an agent to talk to. Putting coverage with local insurance agencies is definitely important in Greensboro.

To help locate an agent, after submitting this form (opens in new window), your coverage information is transmitted to local insurance agents in Greensboro that give free quotes for your auto insurance coverage. You won’t need to visit any agencies because prices are sent directly to you. You’ll get the best rates AND an agent nearby. If for some reason you want to quote rates from a specific company, you would need to visit that company’s website and fill out their quote form.

If you are searching for a local insurance agency, it can be helpful to understand the types of agencies to choose from. Agencies in Greensboro are categorized either exclusive or independent.

Independent Agents (or Brokers)

Independent agents often have many company appointments and that allows them to write policies with multiple insurance companies enabling the ability to shop coverage around. If your premiums go up, an independent agent can move your coverage and you don’t have to do anything. When shopping rates, it’s recommended you get several quotes from multiple independent agents in order to have the best price comparison. Most can insure with different regional companies that may provide cheaper auto insurance rates.

Featured below is a small list of independent agencies in Greensboro that can possibly get you pricing information.

More insurance agents

Exclusive Auto Insurance Agencies

Agents in the exclusive channel generally can only insure with one company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide prices from multiple companies so always compare other rates. They are trained well on what they offer which helps overcome the inability to quote other rates. Many people buy from exclusive agents partially due to loyalty to the company rather than having low rates.

The following are exclusive insurance agents in Greensboro that are able to give price quote information.

More insurance agents

Finding the right car insurance agent requires more thought than just a low price. Any good agent in Greensboro should know the answers to these questions.

After receiving satisfactory answers and an affordable coverage quote, it’s a good possibility that you have found an insurance agent that can be trusted to service your policy.

North Carolina car insurance companies ranked

Buying coverage from a highly-rated insurer is difficult considering how many different companies sell coverage in Greensboro. The rank data below can help you decide which car insurance companies you want to consider purchasing a policy from.

Top 10 Greensboro Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Nationwide – 89%
  5. Travelers – 88%
  6. Progressive – 88%
  7. Safeco Insurance – 88%
  8. State Farm – 88%
  9. Allstate – 88%
  10. The Hartford – 87%

The best insurance company isn’t always the cheapest

People switch companies for a number of reasons such as high prices, policy cancellation, high rates after DUI convictions and even extreme rates for teen drivers. Regardless of your reason, finding a great new company can be easy and end up saving you some money.

When searching for low cost Greensboro auto insurance quotes, you should never skimp on critical coverages to save a buck or two. There are many occasions where an insured cut full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.

You just learned a lot of information how to save on Dodge Nitro insurance in Greensboro. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest rates come from a small local company.

How to buy lower priced Dodge Nitro insurance in Greensboro

The preferred way to get low-cost Dodge Nitro insurance is to compare quotes once a year from companies who provide car insurance in Greensboro. You can compare rates by following these guidelines.

An important part of this process is that you use identical coverage information on every price quote and and to look at as many different companies as possible. This ensures a fair price comparison and plenty of rates choose from.

More tips and info about insurance can be found in these articles: