Affordable Plano Dodge Nitro Insurance

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Remarkably, a study showed that most consumers have remained with the same car insurance company for a minimum of four years, and nearly half have never even compared quotes to find cheap rates. Consumers in Plano could save approximately 70% a year, but they feel it's too difficult to compare rates and save money.

Discount Dodge Nitro insuranceThe preferred way to get affordable auto insurance rates in Plano is to compare quotes once a year from companies in Texas.

  1. Spend a few minutes and learn about how car insurance works and the steps you can take to prevent expensive coverage. Many risk factors that result in higher prices like accidents, traffic violations, and an imperfect credit history can be amended by making minor changes to your lifestyle.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while independent agencies can provide price quotes from multiple sources.
  3. Compare the price quotes to your current policy to see if a cheaper price is available in Plano. If you can save money and change companies, make sure there is no coverage gap between policies.

The critical component of shopping around is that you'll want to compare the same deductibles and limits on every quote request and and to get rates from all possible companies. This guarantees a fair price comparison and the most accurate and complete price analysis.

If you have coverage now or just want to reduce your rates, you can use these techniques to buy cheaper auto insurance and still get good coverage. Locating affordable coverage in Plano can be fairly easy. You just need to use the most efficient way to compare prices online.

Companies offer money-saving discounts on Dodge Nitro insurance in Plano

Car insurance is expensive, but there could be significant discounts that many consumers don't even know exist. Most are applied at quote time, but a few need to be inquired about before you get the savings. If they aren't giving you every credit possible, you could be saving more on your car insurance.Cheaper car insurance with discounts

  • Auto/Home Discount - If you combine your homeowners and auto policies with the same insurance company you may save nearly 15% which can help you find the cheapest Dodge Nitro insurance in Plano.
  • ABS Brakes - Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and therefore earn up to a 10% discount.
  • No Claim Discounts - Drivers with accident-free driving histories are rewarded with significantly better rates on Plano car insurance quote in comparison to insureds who have frequent claims or accidents.
  • Student Discount for Driver Training - Teen drivers should enroll and complete driver's education as it will make them better drivers and lower rates.
  • Government Employees - Federal government employees may reduce rates when you quote Plano car insurance with certain companies.
  • Auto/Life Discount - Larger car insurance companies have better prices if you take out some life insurance in addition to your auto policy.
  • Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can receive discounts of 20 to 30 percent.

We need to note that most discounts do not apply to the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, companies don't profit that way.

The chart below visualizes the comparison of Dodge Nitro insurance premiums with and without discounts applied to the rates. The costs are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, safe-driver, marriage, and multi-policy discounts applied.

Large car insurance companies and some of the premium reductions they offer are included below.

  • State Farm offers premium reductions for passive restraint, multiple autos, defensive driving training, driver's education, good student, and Steer Clear safe driver discount.
  • Nationwide includes discounts for business or organization, good student, Farm Bureau membership, easy pay, accident-free, multi-policy, and defensive driving.
  • GEICO has savings for emergency military deployment, five-year accident-free, multi-vehicle, federal employee, anti-lock brakes, good student, and military active duty.
  • AAA offers discounts for education and occupation, AAA membership discount, multi-policy, multi-car, and good driver.
  • 21st Century policyholders can earn discounts including good student, early bird, driver training, defensive driver, and theft prevention.
  • The Hartford offers discounts including bundle, air bag, good student, defensive driver, anti-theft, vehicle fuel type, and driver training.

Before you buy a policy, ask each company which discounts you qualify for. A few discounts might not be offered in your state. To view insurers that offer discounts in Texas, click here to view.

Getting more affordable insurance pricing can be quick and easy. The only thing you need to do is spend a few minutes comparing free Plano car insurance quotes online with multiple companies.

The providers in the list below have been selected to offer quotes in Texas. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Premium rates and analysis

The information displayed next outlines detailed analysis of coverage costs for Dodge Nitro models. Learning how insurance premiums are figured can aid in making decisions on which insurance to purchase.

Dodge Nitro Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $180 $338 $486 $28 $146 $1,178 $98
Nitro SE 2WD $180 $338 $486 $28 $146 $1,178 $98
Nitro SE 4WD $206 $338 $486 $28 $146 $1,204 $100
Nitro SXT 2WD $206 $338 $486 $28 $146 $1,204 $100
Nitro Heat 4WD $206 $338 $486 $28 $146 $1,204 $100
Nitro Detonator 2WD $206 $412 $486 $28 $146 $1,278 $107
Nitro SXT 4WD $206 $412 $486 $28 $146 $1,278 $107
Nitro Shock 2WD $206 $412 $486 $28 $146 $1,278 $107
Nitro Detonator 4WD $206 $412 $486 $28 $146 $1,278 $107
Nitro Shock 4WD $232 $412 $486 $28 $146 $1,304 $109
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in Plano location which can raise or lower premiums noticeably.

Higher deductibles lower rates

When buying car insurance, a common question is which deductible level should you buy. The following insurance rates outline the price difference between low and high insurance deductibles. The first rate table uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Dodge Nitro insurance premium estimates 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 premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $158 $256 $430 $26 $128 $998 $83
Nitro SE 2WD $158 $256 $430 $26 $128 $998 $83
Nitro SE 4WD $182 $256 $430 $26 $128 $1,022 $85
Nitro SXT 2WD $182 $256 $430 $26 $128 $1,022 $85
Nitro Heat 4WD $182 $256 $430 $26 $128 $1,022 $85
Nitro Detonator 2WD $182 $312 $430 $26 $128 $1,078 $90
Nitro SXT 4WD $182 $312 $430 $26 $128 $1,078 $90
Nitro Shock 2WD $182 $312 $430 $26 $128 $1,078 $90
Nitro Detonator 4WD $182 $312 $430 $26 $128 $1,078 $90
Nitro Shock 4WD $206 $312 $430 $26 $128 $1,102 $92
Get Your Own Custom Quote Go

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

Based on the figures above, using a $100 deductible costs about $36 more each month or $432 each year than buying the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 25 months between claim filings, you would save money by going with a higher deductible. Below is the way you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $123
Average monthly premium for $1,000 deductibles (subtract): - $87
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

The illustration below demonstrates how deductibles and can impact Dodge Nitro annual premium costs for different ages of insureds. The information is based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Dodge Nitro insurance premiums by gender

The information below illustrates the difference between Dodge Nitro car insurance rates for male and female drivers. The costs are based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Cost comparison with and without full coverage

The chart below compares Dodge Nitro auto insurance rates with and without physical damage coverage. The data is based on no violations or claims, $100 deductibles, single status, and no discounts are applied.

When to drop comprehensive and collision coverage

There is no clear-cut rule for eliminating physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's say your Dodge Nitro settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after the policy deductible has been paid. If premium cost is more than $600 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few situations where dropping full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

When to have guidance from an insurance agent

Some people still like to get professional advice from a licensed agent and doing that can be a smart decision Good insurance agents can help determine the best coverages and help in the event of a claim. An additional benefit of comparing rate quotes online is the fact that you can find lower prices but also keep your business local.

Insurance agents in PlanoFor easy comparison, once you complete this form (opens in new window), your insurance data is sent to local insurance agents that can give you free Plano car insurance quotes for your insurance coverage. You never need to drive around since price quotes are sent to you instantly. If for some reason you want to compare prices from one company in particular, just navigate to their website to submit a rate quote request.

Deciding on an insurer requires more thought than just the price. Some important questions to ask are:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • How are claims handled?
  • Do they carry Errors and Omissions coverage?
  • Do they offer rental car reimbursement?
  • How long have they worked with personal auto insurance coverage?
  • Can you use your own choice of collision repair facility?
  • Do they have a Better Business Bureau rating in Plano?
  • What insurance companies do they recommend if they are an independent agent?

Exclusive or Independent: There is a difference

When finding an insurance agent, there are a couple of types of insurance agents and how they differ in how they quote coverages. Insurance agencies in Plano are classified as either exclusive or independent (non-exclusive). Either one can provide insurance policies, but it's important to point out the subtle differences because it can influence which type of agent you select.

Exclusive Agencies

Agents of this type write business for a single company such as Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to provide other company's prices so you need to shop around if the rates are high. Exclusive agencies receive a lot of sales training in insurance sales which helps them compete with independent agents. Some consumers prefer to use the same agent primarily because of the brand and the convenience of having all coverages with one company.

Shown below is a short list of exclusive insurance agents in Plano who can help you get comparison quotes.

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Independent Agents (or Brokers)

Agents in the independent channel do not write with just one company and that gives them the ability to insure with lots of companies and help determine which has the cheapest rates. If premiums increase, they simply move your policy to a different company which is easy for the insured. If you are comparing insurance prices, you absolutely need to include rate quotes from at a minimum one independent agency to get the best comparison. They also have the ability to place coverage with additional companies that you may not be familiar with that many times have cheaper rates.

Shown below are independent agents in Plano who can help you get comparison quotes.

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Auto insurance company ratings

Picking the top car insurance provider can be a challenge considering how many different companies there are to choose from in Texas. The company information shown below can help you decide which coverage providers to look at when shopping your coverage around.

Top 10 Plano Car Insurance Companies Ranked by Customer Satisfaction

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

Get the best coverage at the lowest price

Insureds change insurance companies for a number of reasons such as policy cancellation, not issuing a premium refund, delays in paying claims or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new company is actually quite simple.

We covered a lot of ways to reduce Dodge Nitro insurance rates online in Plano. The most important thing to understand is the more you quote Plano car insurance, the higher the chance of saving money. You may even be surprised to find that the best price on auto insurance is with a smaller regional carrier.

While you're price shopping online, do not buy less coverage just to save a little money. There are a lot of situations where someone dropped liability coverage limits only to regret at claim time that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at a price you can afford, but do not skimp to save money.

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