Car Insurance Quotes for a Dodge Nitro in Seattle

No car owner likes having to buy car insurance, in particular when they are paying too much.

A study showed that the vast majority of consumers in Washington renewed their policy with the same company for more than four years, and practically 40% of car insurance customers have never quoted rates to find affordable coverage. With the average car insurance premium being $1,847, American drivers could save 46.5% every year by just shopping around, but they don’t want to spend time to do a rate comparison.

Companies like State Farm and GEICO all claim big savings with fancy advertisements and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

You should make it a habit to compare rates quite often due to the fact that insurance prices are variable and change quite frequently. Just because you had the best deal on Dodge Nitro insurance in Seattle a few years ago other companies may now be cheaper. You can find a lot of information about Nitro insurance out there, but you can learn some of the best techniques to reduce your car insurance bill.

If you have coverage now, you will definitely be able to save money using these tips. Finding the cheapest coverage in Seattle is really not that difficult. But Washington car owners benefit from understanding the methods companies use to determine premium rates and use it to your advantage.

When comparing auto insurance rates, know that comparing more prices will improve the odds of getting more affordable rates. Some insurance companies are not set up to provide online rate quotes, so you should also compare prices from them as well.

The companies shown below are ready to provide price comparisons in Washington. If the list has multiple companies, we suggest you visit as many as you can in order to get a fair rate comparison.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Estimates do not factor in specific location information which can influence auto insurance rates significantly.

Policy deductibles

The chart below demonstrates how deductible levels and can raise or lower Dodge Nitro insurance costs for different age categories. The premiums assume a married male driver, comp and collision included, and no policy discounts are applied.

Rate comparison for different deductibles

When buying car insurance, a common question is what deductibles to buy. The rates shown below may help you to understand the rate differences when you select higher and lower physical damage deductibles. The first data set uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in vehicle garaging location which can revise prices significantly.

We can estimate from the data above that using a $250 deductible costs an average of $20 more each month or $240 every year than quoting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 38 months between claim filings, you would save more money going with the higher deductible.

Protect your vehicle and other assets

Despite the high cost of buying insurance for a Dodge Nitro in Seattle, insurance may not be optional for several reasons.

• Most states have minimum mandated liability insurance limits which means state laws require specific limits of liability insurance if you want to drive legally. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Dodge with a loan, most lenders will make it mandatory that you carry insurance to protect their interest in the vehicle. If you default on your policy, the bank may insure your Dodge at a much higher premium rate and force you to pay the higher price.
• Auto insurance protects both your Dodge and your assets. Insurance will pay for hospital and medical expenses that are the result of an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay all costs to repair after the deductible has been paid.

The benefits of having insurance more than offset the price you pay, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is overpaying more than $750 every year so you should quote your policy with other companies at least once a year to ensure rates are competitive.

Get Cheap Insurance Premiums by Understanding These Factors

Lots of factors are taken into consideration when you get a price on insurance. Some are obvious such as traffic violations, but other factors are not as apparent like your continuous coverage and annual miles driven.

• Rates and employer – Careers like fire fighters, air traffic controllers, and emergency personnel tend to have the highest rates because of intense work-related stress and lengthy work days. Other jobs such as actors, historians and homemakers pay the least.
• Getting married can save you money – Having a spouse may save some money on your insurance policy. It translates into being more mature and statistics prove drivers who are married file infrequent claims.
• Theft deterrents lowers premiums – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft and help lower rates.
• Good credit scores equal low costs – Having a good credit score can be an important factor in determining premium rates. People with high credit scores tend to be more responsible as compared to drivers with lower ratings. So if your credit rating could use some work, you could pay less to insure your Dodge Nitro by taking the time to improve your credit score.
• Eliminate extra coverages – Insurance companies have many additional extra coverages that may not really be needed if you aren’t diligent. Add-on coverages like rental car coverage, towing, and membership fees are some examples. They may seem like a good idea at first, but your needs may have changed so get rid of them and save.
• How many miles do you drive? – The higher the mileage driven every year the more it will cost to insure it. Most companies apply a rate partially by how you use the vehicle. Cars used primarily for pleasure use cost less to insure than vehicles that are driven to work every day. An incorrectly rated Nitro may be costing you. It’s always a good idea to double check that your insurance declarations sheet reflects the right rating data, because improper ratings can cost you money.

Cheaper Seattle car insurance quotes with discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts to reduce the price significantly. Many discounts should be triggered when you get a quote, but occasionally some discounts must be asked about before you will receive the discount.

• Home Ownership Discount – Just owning your own home can save a few bucks because of the fact that having a home shows financial diligence.
• Service Members Pay Less – Being deployed in the military can result in better car insurance rates.
• Full Payment Discount – By making one initial payment rather than spreading payments over time you may have a lower total premium amount.
• College Student – College-age children who live away from home to go to college and do not take a car to college may qualify for this discount.
• Theft Deterrent Discount – Cars with anti-theft systems prevent vehicle theft and will save you 10% or more on Nitro insurance in Seattle.

A little note about advertised discounts, most discount credits are not given to the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.

A list of car insurance companies and a selection of discounts are outlined below.

• American Family policyholders can earn discounts including TimeAway discount, good driver, defensive driver, good student, bundled insurance, multi-vehicle, and early bird.
• State Farm may have discounts that include safe vehicle, passive restraint, accident-free, defensive driving training, and multiple policy.
• 21st Century offers premium reductions for automatic seat belts, anti-lock brakes, homeowners, good student, theft prevention, early bird, and driver training.
• Travelers may include discounts for payment discounts, driver training, early quote, multi-policy, IntelliDrive, and home ownership.
• GEICO has discounts for multi-vehicle, air bags, military active duty, driver training, good student, anti-theft, and seat belt use.

If you are trying to find inexpensive Seattle car insurance quotes, ask every company to give you their best rates. Savings may not be available everywhere.

Independent and exclusive insurance agents

Some consumers would rather get professional advice from a licensed agent and doing that can be a smart decision The biggest benefit of getting online price quotes is you can get the lowest rates but still work with a licensed agent. And buying from neighborhood insurance agencies is important especially in Seattle.

To find an agent, once you fill out this simple form, the coverage information is sent to agents in your area who will return price quotes for your insurance coverage. You won’t even need to contact any insurance agencies due to the fact that quote results will go straight to your inbox. You’ll get the best rates and a licensed agent to talk to. If you have a need to quote rates from a specific company, you can always find their quoting web page and fill out their quote form.

If you are wanting to purchase insurance from a good insurance agency, you must know there are a couple types of agencies and how they function. Insurance agencies in Seattle are classified as either independent agents or exclusive agents depending on their employer.

Independent Insurance Agents

Agents that elect to be independent often have many company appointments so as a result can place your coverage with an assortment of companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you stay with the same agent.

If you need lower rates, we highly recommend that you include price quotes from a few independent agents for maximum quote selection.

Listed below are Seattle independent agents who may be able to give you pricing information.

More Seattle agents

Exclusive Insurance Agencies

Exclusive insurance agents write business for a single company such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to compare rates from other companies so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage.

The following is a short list of exclusive agents in Seattle willing to provide price quote information.

More Seattle agents

Deciding on an insurance agent needs to be determined by more than just a cheap price. These questions are important to ask:

• What insurance company do they write the most business with?
• Who is covered by the car insurance policy?
• If they are an independent agency in Seattle, which companies do they recommend?
• Will your rates increase after a single accident?
• Will the agent help in case of a claim?
• Is the agent properly licensed in Washington?

Quote more to save more

Cheap Dodge Nitro insurance in Seattle is definitely available both online in addition to many Seattle insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide rates over the internet and many times these regional insurance providers provide coverage only through local independent agencies.

When searching for affordable Dodge Nitro insurance quotes, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

We covered some good ideas how you can shop for Dodge Nitro insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. Consumers could even find that the best premium rates are with a small mutual company. Regional companies can often provide lower prices in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

Even more information is located in the articles below:

• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
• Who Has the Cheapest Auto Insurance Quotes for a Nissan Altima in Seattle? (FAQ)
• How Much are Seattle Car Insurance Quotes for a Ford Explorer? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Seattle? (FAQ)
• Who Has the Cheapest Auto Insurance for a Nissan Sentra in Seattle? (FAQ)
• Who Has Cheap Seattle Auto Insurance for a Dodge Grand Caravan? (FAQ)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• Vehicle Safety Ratings (iihs.org)