Unbelievable but true according to a study the vast majority of consumers have bought car insurance from the same company for more than four years, and just short of a majority have never compared rates to find affordable insurance. California drivers could pocket roughly $470 a year just by comparing rates, but they just don’t understand the amount of money they would save if they switched to a more affordable policy.
If saving the most money is your goal, then the best way to find the cheapest price for Dodge Nitro insurance is to start comparing rates regularly from companies that insure vehicles in Sacramento.
Step 1: Take a few minutes and learn about how companies price auto insurance and the things you can change to prevent high rates. Many risk factors that cause high rates such as traffic citations, accidents, and a low credit score can be remedied by improving your driving habits or financial responsibility.
Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can provide price quotes from multiple insurance companies.
Step 3: Compare the new rate quotes to the price on your current policy and determine if there is any savings. If you find a lower rate quote and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
A valuable tip to remember is to try to use the same deductibles and limits on each quote and and to get price quotes from as many companies as possible. This guarantees a fair rate comparison and a better comparison of the market.
Finding affordable insurance coverage in Sacramento can be much easier if you know how to start. If you have coverage now, you will surely be able to reduce premiums using the techniques presented in this article. Consumers just need to understand the most efficient way to shop their coverage around instantly.
Five Things That Impact Your Insurance Rates
When buying car insurance it’s important to understand a few of the rating criteria that help calculate the rates you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get better car insurance rates.
- More annual miles equals more premium – The more you drive every year the higher the price you pay to insure it. Most companies apply a rate based on their usage. Autos not used for work or commuting receive lower rates than vehicles that have high annual mileage. Having the wrong rating on your Nitro may be wasting your money. It’s a smart idea to ensure your policy is showing annual mileage, because it can save money.
Get a ticket, pay higher premiums – Only having one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets pay less for auto insurance compared to drivers with tickets. Drivers who have received flagrant violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
The example below shows how violations and accident claims can influence Dodge Nitro car insurance costs for each age group. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
Vehicle risk impacts prices – The type of vehicle you are buying insurance for makes a substantial difference in how high your rates are. The lowest base rates tend to be for small economy passenger vehicles, but there are many factors that impact the final cost.
The following data is based on a married male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Dodge Nitro policy rates compared to other models that have a range of performances.
- Keep premiums low by being claim-free – If you file a lot of claims you can expect higher rates. Companies in California provide better rates to policyholders who do not file claims often. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
- Pay lower rates if you’re married – Getting married helps lower the price when buying car insurance. Having a significant other may mean you are more mature and it’s statistically proven that being married results in fewer claims.
Compare free Sacramento Dodge Nitro insurance quotes
Cutting your car insurance rates is actually quite simple. Drivers just need to spend a little time comparing free Sacramento car insurance quotes to see which company has affordable Dodge Nitro insurance quotes.
The providers in the list below offer price comparisons in Sacramento, CA. To locate the cheapest car insurance in Sacramento, it’s highly recommended you click on several of them to get the lowest price.
Car insurance statistics for a Dodge Nitro
The premium information displayed next outlines different policy rates for Dodge Nitro models. Having a better idea how auto insurance policy rates are formulated can assist in making smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Nitro Heat 2WD||$322||$554||$510||$30||$152||$1,568||$131|
|Nitro SE 2WD||$322||$554||$510||$30||$152||$1,568||$131|
|Nitro SE 4WD||$368||$554||$510||$30||$152||$1,614||$135|
|Nitro SXT 2WD||$368||$554||$510||$30||$152||$1,614||$135|
|Nitro Heat 4WD||$368||$554||$510||$30||$152||$1,614||$135|
|Nitro Detonator 2WD||$368||$672||$510||$30||$152||$1,732||$144|
|Nitro SXT 4WD||$368||$672||$510||$30||$152||$1,732||$144|
|Nitro Shock 2WD||$368||$672||$510||$30||$152||$1,732||$144|
|Nitro Detonator 4WD||$368||$672||$510||$30||$152||$1,732||$144|
|Nitro Shock 4WD||$416||$672||$510||$30||$152||$1,780||$148|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Estimates do not factor in vehicle garaging location which can affect premium rates significantly.
The example below demonstrates how choosing different deductibles and can influence Dodge Nitro insurance costs for different age groups. The information is based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
Dodge Nitro annual premiums for males versus females
The chart below compares Dodge Nitro yearly insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, drivers are single, and no other discounts are factored in.
Dodge Nitro full coverage rates compared to liability only
The information below shows the difference between Dodge Nitro auto insurance costs with and without physical damage coverage. The information is based on no tickets, no at-fault accidents, $100 deductibles, single status, and no additional discounts are factored in.
When to stop paying for full coverage
There is no definitive formula that is best for determining when to drop comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s assume your Dodge Nitro replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after the deductible is paid. If you are paying in excess of $800 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are a few situations where eliminating full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
Buying the right Nitro insurance in California is an important decision
Even though it’s not necessarily cheap to insure a Dodge in Sacramento, insurance may be required for several reasons.
First, the majority of states have compulsory liability insurance requirements which means the state requires a minimum amount of liability coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you took out a loan on your car, almost all lenders will require you to buy insurance to guarantee loan repayment. If you do not keep the policy in force, the bank will be required to insure your Dodge at an extremely high rate and make you pay a much higher amount than you were paying before.
Third, insurance safeguards both your Dodge and your personal assets. It also can pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of having insurance are without a doubt worth the cost, especially for larger claims. But the average driver in California overpays as much as $855 a year so you should quote rates at least once a year to be sure current rates are still competitive.
Save a ton on Dodge Nitro insurance in Sacramento with these insurance discounts
Some insurers don’t necessarily list all discounts very clearly, so we researched some of the best known as well as the least known credits that may apply to you.
- Save with a New Car – Insuring a vehicle that is new can save up to 30% because newer vehicles are generally safer.
- Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- Seat Belts Save – Buckling up and requiring all passengers to buckle up could save 15% on the medical payments or PIP coverage costs.
- Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in high school.
- Senior Discount – Drivers that qualify as senior citizens may qualify for a small decrease in premiums.
- First Accident Forgiveness – This one isn’t a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
- Switch and Save Discount – Some insurance companies give discounts for buying a new policy before your current coverage expires. This discount can save up to 10%.
- Student Discounts – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
- Auto/Home Discount – If you insure your home and vehicles with one company they may give you a discount of as much as 10 to 15 percent.
- Sacramento Homeowners Pay Less – Owning your own home or condo can help you save on insurance because it shows financial diligence.
You should keep in mind that some of the credits will not apply to the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts should definitely cut your policy premiums.
The chart below shows the comparison of Dodge Nitro insurance costs with and without policy discounts. The prices are based on a female driver, no claims or violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-car, multi-policy, and safe-driver discounts applied.
If you would like to choose from a list of insurance companies that offer many of these discounts in Sacramento, follow this link.
Insurance agent or online?
Some consumers still like to visit with an insurance agent and that is just fine! Insurance agents are very good at helping people manage risk and help submit paperwork. One of the benefits of getting online price quotes is you may find cheap auto insurance quotes and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), your insurance data gets sent to companies in Sacramento who will gladly provide quotes and help you find cheaper coverage. You don’t have to leave your house since rate quotes are delivered to you directly. In the event you want to compare prices from a specific auto insurance provider, you just need to find their quoting web page and fill out their quote form.
Finding the right company requires more thought than just the price. Here are some questions to ask:
- Are they properly licensed to sell insurance in California?
- What are the financial ratings for the companies they represent?
- Where would your vehicle be repaired?
- How would your car be valued if totaled?
- Does the quote include credit and driving reports?
- Is coverage determined by price?
If you prefer to buy auto insurance from a local agent, you should know the different agency structures and how they differ in how they can insure your vehicles. Auto insurance agencies can either be exclusive or independent agents depending on their company appointments. Either one can provide auto insurance policies, but it is important to understand the difference between them because it can impact your selection of an agent.
Exclusive Insurance Agents
Exclusive agencies can only provide pricing for a single company and examples are Allstate, State Farm and Farm Bureau. Exclusive agents cannot place coverage with different providers so you need to shop around if the rates are high. These agents are very knowledgeable on their company’s products which helps them sell on service rather than price. Consumers sometimes choose to use a exclusive agent mostly because of the brand name rather than having the cheapest rates.
Shown below are Sacramento exclusive insurance agents who may provide you with price quote information.
- Tim Kwong – State Farm Insurance Agent
1035 Jefferson Blvd #5 – West Sacramento, CA 95691 – (916) 371-4730 – View Map
- Lori McCarter Curry – State Farm Insurance Agent
451 Park Fair Dr #2 – Sacramento, CA 95864 – (916) 487-5151 – View Map
- State Farm Insurance: Max Lam
2840 Del Paso Rd #300 – Sacramento, CA 95834 – (916) 575-7600 – View Map
Independent Insurance Agents
Agents that elect to be independent can sell policies from many different companies and that gives them the ability to insure with a variety of different insurance companies and potentially find a lower price. If premiums increase, your policy is moved internally and you won’t have to switch agencies. When searching for an agent, you will definitely want to get insurance quotes from a few independent agents to have the most options to choose from. Most have the option of insuring with mutual insurance companies that can offer cheaper rates than bigger companies.
Listed below are Sacramento independent insurance agencies willing to provide price quotes.
- Castro Property and Commercial Insurance
155 15th St c – West Sacramento, CA 95691 – (916) 482-9600 – View Map
- Nationwide Insurance: Welcome Financial Inc
1102 Jefferson Blvd c – West Sacramento, CA 95691 – (916) 231-3558 – View Map
- Pan American Underwriters
1610 Arden Way # 121 – Sacramento, CA 95815 – (916) 286-5960 – View Map
Sacramento car insurance companies
Finding the right company can be difficult considering how many different companies there are to choose from in Sacramento. The ranking information in the next section could help you choose which auto insurance companies you want to consider when shopping your coverage around.
Top 10 Sacramento Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Sacramento Car Insurance Companies Overall
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Situations that may require an agent’s advice
When quoting and choosing insurance from an agent or online for your vehicles, there really isn’t a perfect coverage plan. Everyone’s needs are different.
These are some specific questions might help in determining whether you could use an agent’s help.
- When should I buy a commercial auto policy?
- What can I do if my company denied a claim?
- Will my rates increase for filing one claim?
- How much underlying liability do I need for an umbrella policy?
- Does coverage extend to my business vehicle?
- Is my camper covered for physical damage?
- How can I get high-risk coverage after a DUI?
- What is UM/UIM insurance?
- Is rental equipment covered for theft or damage?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.
Find affordable car insurance rates by comparing often
We just presented a lot of techniques to get a better price on Dodge Nitro insurance in Sacramento. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may even be surprised to find that the best price on car insurance is with a small mutual company.
Insureds change insurance companies for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, high rates after DUI convictions and even denial of a claim. It doesn’t matter why you want to switch switching car insurance companies can be easier than you think.
As you shop your coverage around, do not buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.
More tips and info about car insurance is located in the articles below:
- All About Airbag Safety (State Farm)
- How Much are Sacramento Auto Insurance Rates for Hybrid Vehicles? (FAQ)
- Who Has Cheap Sacramento Auto Insurance for Low Income Drivers? (FAQ)
- Safety Features for Your New Car (State Farm)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Where can I buy Insurance? (Insurance Information Institute)