Affordable Insurance for a Dodge Nitro in Lubbock

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We don't have to tell you that auto insurance companies don't want you to look for a cheaper policy. Insureds who get price quotes annually are likely to switch to a new company because there is a high probability of finding lower rate quotes. A recent insurance study discovered that drivers who made a habit of comparing rates saved over $72 a month compared to those who never compared rates.

If finding the lowest rates on car insurance is the reason you're reading this, then having an understanding of how to quote prices and compare coverage rates can make it easier to find better rates.

Insurance quote for Dodge Nitro in LubbockThe best way to find cheaper prices for Dodge Nitro insurance is to regularly compare prices from insurers that sell auto insurance in Lubbock.

  1. Take a little time to learn about the different coverages in a policy and the measures you can control to keep rates in check. Many factors that increase rates such as speeding and an imperfect credit rating can be amended by paying attention to minor details. This article provides the details to help keep prices low and find missing discounts.
  2. Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while independent agents can quote prices from multiple sources.
  3. Compare the new rates to the price on your current policy to see if switching to a new carrier will save money. If you can save money and decide to switch, make sure coverage is continuous and does not lapse.

An essential thing to point out is that you'll want to make sure you compare the same physical damage deductibles and liability limits on each quote and and to get rate quotes from as many carriers as you can. Doing this enables a level playing field and the best price selection.

Finding the cheapest car insurance coverage in Lubbock is actually quite easy if you know where to start. If you are already insured, you will surely be able to lower your rates using the ideas you're about to read. You just have to use the proper way to shop their coverage around online from multiple companies.

Getting a cheaper price on insurance can be relatively painless. You just need to invest a little time to compare rates online from several insurance companies.

The companies shown below have been selected to offer price quotes in Lubbock, TX. If you wish to find the best car insurance in Texas, it's a good idea that you click on several of them to find the lowest car insurance rates.

Lower-cost Dodge Nitro insurance quotes in Lubbock

Companies that sell car insurance don't list all available discounts very well, so here is a list a few of the more well known in addition to some of the lesser obvious credits available to bring down your rates.Discount car insurance

  • Full Payment Discount - By making one initial payment instead of making monthly payments you may reduce your total bill.
  • Waiver for an Accident - Not really a discount, but certain companies permit an accident before your rates go up if your claims history is clear for a certain period of time.
  • Senior Discount - If you qualify as a senior citizen, you could receive a small decrease in premiums.
  • Braking Control Discount - Cars with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Early Signing - A few larger companies give discounts for signing up early. It could save around 10% when you buy Lubbock auto insurance online.
  • Drive Safe and Save - Drivers without accidents can get discounts for up to 45% lower rates than less cautious drivers.

We need to note that some credits don't apply to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free car insurance policy, companies don't profit that way.

The example below compares Dodge Nitro annual premium costs with and without discounts applied to the premium. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, multi-policy, safe-driver, and homeowner discounts applied.

To see a list of providers that offer multiple discounts in Lubbock, follow this link.

Dodge Nitro insurance rates and statistics

The rate table shown next highlights detailed analysis of coverage costs for Dodge Nitro models. Having a better understanding of how insurance prices are figured can aid in making smart policy decisions.

Dodge Nitro Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $232 $404 $582 $34 $174 $1,426 $119
Nitro SE 2WD $232 $404 $582 $34 $174 $1,426 $119
Nitro SE 4WD $266 $404 $582 $34 $174 $1,460 $122
Nitro SXT 2WD $266 $404 $582 $34 $174 $1,460 $122
Nitro Heat 4WD $266 $404 $582 $34 $174 $1,460 $122
Nitro Detonator 2WD $266 $492 $582 $34 $174 $1,548 $129
Nitro SXT 4WD $266 $492 $582 $34 $174 $1,548 $129
Nitro Shock 2WD $266 $492 $582 $34 $174 $1,548 $129
Nitro Detonator 4WD $266 $492 $582 $34 $174 $1,548 $129
Nitro Shock 4WD $300 $492 $582 $34 $174 $1,582 $132
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rates do not factor in Lubbock location which can alter rates significantly.

Physical damage deductible comparison

One frequently asked question is where to set your physical damage deductibles. The rates below sum up how much more you'll pay when you choose different insurance deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price table uses a $500 deductible.

Dodge Nitro insurance prices 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
Get Your Own Custom Quote Go
Dodge Nitro insurance prices 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

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in your specific Lubbock location which can raise or lower coverage rates substantially.

We can derive from the above data that using a $100 deductible costs approximately $24 more each month or $288 each year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 17 months between claim filings, you would most likely save money if you choose the higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $123
Average monthly premium for $500 deductibles (subtract): - $99
Monthly savings from raising deductible: $24
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important issue to know is that a higher deductible means you will have to pay more of your own money when you have a comprehensive or collision claim. You need to have enough disposable income in order to pay the deductible.

Careless driving habits raise auto insurance rates

The example below shows how speeding tickets and at-fault collisions influence Dodge Nitro premium costs for each different age group. The rates are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

How do Insurance Providers Determine Dodge Nitro Insurance Premiums?

Multiple criteria are considered when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but others are not quite as obvious such as whether you are married or your financial responsibility.

The following are some of the major factors insurance companies consider when setting rates.

  • Discounts for alarm systems - Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Anti-theft devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft.
  • Gals tend to take less risk - The statistics show women are more cautious behind the wheel. That doesn't necessarily mean that females are better drivers. Women and men are responsible for fender benders in similar percentages, but guys cause more damage. They also get cited for more serious violations such as reckless driving. Males from age 16 to 21 are most likely to cause an accident and therefore pay the highest rates.

    The illustration below shows the difference between Dodge Nitro auto insurance rates for male and female drivers. The premiums are based on no violations or claims, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are factored in.

  • Get better costs after the wedding - Having a wife or husband helps lower the price on insurance. Having a spouse means you're more mature and insurance companies like that drivers who are married file infrequent claims.
  • How much liability protection - Your policy's liability coverage is the coverage that protects you if ever a jury decides you are liable for an accident. Liability provides legal defense to attempt to prove you were not liable. Liability is cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Little extras can really add up - Insurance policies have a lot of extra bells and whistles that can add up on your Nitro policy. Things like vanishing deductibles, high-cost glass coverage, and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.
  • Don't let your insurance lapse - Not maintaining insurance is against the law and as a result your rates will increase for letting your insurance coverage expire. And not only will your rates increase, getting caught without coverage may result in a revoked license or a big fine.
  • Consolidate policies and save money - The majority of companies afford discounts to people that buy multiple policies in the form of a multi-policy discount. Even if you're getting this discount it's always a smart idea to get quotes from other companies to help guarantee you have the best rates. It's possible to still save even more than the discount even if you have your coverage with different companies
  • Bad credit will cost you - Having a bad credit score is likely to be a major factor in determining what you pay. So if your credit can use some improvement, you could save money insuring your Dodge Nitro by taking the time to improve your credit score. People with high credit ratings tend to file fewer claims than those with lower credit scores.