It’s well known that car insurance companies don’t want you to look for a cheaper policy. People who shop around for a cheaper policy are inclined to switch auto insurance companies because of the high probability of finding a lower-priced company. A study showed that consumers who shopped around saved an average of $850 each year compared to those who never shopped around for lower prices.
If saving the most money on Dodge Nitro insurance is the reason you’re reading this, then learning about how to compare insurance rates can save money and time.
To save the most money, the best way to find cheaper prices for Dodge Nitro insurance is to regularly compare quotes from different companies who sell insurance in Miami.
Step 1: Try to comprehend how car insurance works and the steps you can take to keep rates low. Many risk factors that cause high rates like traffic citations and poor credit history can be improved by paying attention to minor details. Read the full article for additional ideas to help reduce premium rates and find additional discounts you may qualify for.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO and Allstate, while agents who are independent can quote rates from multiple companies.
Step 3: Compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate in Miami. If you find better rates, verify that coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company to cancel your current auto insurance policy and submit a down payment along with a completed application to the new insurer. Be sure to put the new proof of insurance paperwork with your vehicle’s registration.
One important bit of advice is that you use the same deductibles and limits on each quote request and and to get rates from as many carriers as you can. This guarantees an apples-to-apples comparison and many rates to choose from.
Companies offer money-saving discounts on Dodge Nitro insurance in Miami
The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that you may not even be aware of. A few discounts will be applied when you get a quote, but some need to be requested specifically before they will apply.
- Claim-Free Discount – Claim-free drivers can earn big discounts in comparison with accident-prone drivers.
- Government Employees – Employees or retirees of the government can save as much as 8% but check with your company.
- Paper-free Discount – Some of the larger companies may give you up to $50 for signing up digitally online.
- New Car Discount – Putting coverage on a new Nitro is cheaper due to better safety requirements for new model year vehicles.
- Drive Safe and Save – Accident-free drivers can pay as much as 50% less than less cautious drivers.
- Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
- Defensive Driver Discounts – Participating in a driver safety course could cut 5% off your bill and also improve your driving technique.
You should keep in mind that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, that’s just not realistic. Any amount of discount will reduce the amount you have to pay.
The example below shows the comparison of Dodge Nitro premium costs with and without some available policy discounts. The data is based on a male driver, no claims or driving citations, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-policy, multi-car, and homeowner discounts applied.
Some of the insurance companies who may offer some of the discounts shown above possibly include:
If you need low cost Miami car insurance quotes, ask all companies you are considering which discounts they offer. Some discounts may not apply to policyholders in your state. To see a list of insurers that offer some of these discounts in Florida, follow this link.
When quoting auto insurance, remember that making a lot of price comparisons helps increase your odds of locating the best offered rates. Some regional insurers cannot provide online rate quotes, so you also need to get price estimates from those companies as well.
The following companies offer free quotes in Miami, FL. If multiple companies are listed, it’s a good idea that you visit several of them to get the best price comparison.
Dodge Nitro coverage statistics
The rate table shown next covers detailed analysis of rate quotes for Dodge Nitro models. Having a good understanding how insurance quotes are calculated can assist in making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $220 | $406 | $612 | $36 | $184 | $1,458 | $122 |
| Nitro SE 2WD | $220 | $406 | $612 | $36 | $184 | $1,458 | $122 |
| Nitro SE 4WD | $252 | $406 | $612 | $36 | $184 | $1,490 | $124 |
| Nitro SXT 2WD | $252 | $406 | $612 | $36 | $184 | $1,490 | $124 |
| Nitro Heat 4WD | $252 | $406 | $612 | $36 | $184 | $1,490 | $124 |
| Nitro Detonator 2WD | $252 | $494 | $612 | $36 | $184 | $1,578 | $132 |
| Nitro SXT 4WD | $252 | $494 | $612 | $36 | $184 | $1,578 | $132 |
| Nitro Shock 2WD | $252 | $494 | $612 | $36 | $184 | $1,578 | $132 |
| Nitro Detonator 4WD | $252 | $494 | $612 | $36 | $184 | $1,578 | $132 |
| Nitro Shock 4WD | $284 | $494 | $612 | $36 | $184 | $1,610 | $134 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Table data does not factor in vehicle garaging location which can lower or raise premiums noticeably.
How high should deductibles be?
One frequently asked question is which deductible level should you buy. The data tables below help summarize the premium difference when you buy lower versus higher physical damage coverage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $312 | $532 | $472 | $28 | $142 | $1,511 | $126 |
| Nitro SE 2WD | $312 | $532 | $472 | $28 | $142 | $1,511 | $126 |
| Nitro SE 4WD | $358 | $532 | $472 | $28 | $142 | $1,557 | $130 |
| Nitro SXT 2WD | $358 | $532 | $472 | $28 | $142 | $1,557 | $130 |
| Nitro Heat 4WD | $358 | $532 | $472 | $28 | $142 | $1,557 | $130 |
| Nitro Detonator 2WD | $358 | $648 | $472 | $28 | $142 | $1,673 | $139 |
| Nitro SXT 4WD | $358 | $648 | $472 | $28 | $142 | $1,673 | $139 |
| Nitro Shock 2WD | $358 | $648 | $472 | $28 | $142 | $1,673 | $139 |
| Nitro Detonator 4WD | $358 | $648 | $472 | $28 | $142 | $1,673 | $139 |
| Nitro Shock 4WD | $406 | $648 | $472 | $28 | $142 | $1,721 | $143 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $174 | $280 | $472 | $28 | $142 | $1,096 | $91 |
| Nitro SE 2WD | $174 | $280 | $472 | $28 | $142 | $1,096 | $91 |
| Nitro SE 4WD | $200 | $280 | $472 | $28 | $142 | $1,122 | $94 |
| Nitro SXT 2WD | $200 | $280 | $472 | $28 | $142 | $1,122 | $94 |
| Nitro Heat 4WD | $200 | $280 | $472 | $28 | $142 | $1,122 | $94 |
| Nitro Detonator 2WD | $200 | $342 | $472 | $28 | $142 | $1,184 | $99 |
| Nitro SXT 4WD | $200 | $342 | $472 | $28 | $142 | $1,184 | $99 |
| Nitro Shock 2WD | $200 | $342 | $472 | $28 | $142 | $1,184 | $99 |
| Nitro Detonator 4WD | $200 | $342 | $472 | $28 | $142 | $1,184 | $99 |
| Nitro Shock 4WD | $224 | $342 | $472 | $28 | $142 | $1,208 | $101 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate information does not factor in specific location information which can influence premium rates considerably.
Based on the data above, we can derive that using a $100 deductible would cost the average driver about $38 more each month or $456 every year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 24 months between claim filings, you would more than likely save some money if you choose a higher deductible. Here’s how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $134 |
| Average monthly premium for $1,000 deductibles (subtract): | – $96 |
| Monthly savings from raising deductible: | $38 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $38 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
One thing to be aware of is that a higher deductible level means you pay more out-of-pocket when you have a claim. You need to have some extra funds in order to pay the deductible.
Safe drivers Miami pay cheaper rates
The diagram below illustrates how traffic citations and at-fault fender-benders increase Dodge Nitro insurance costs for different age groups. The prices are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied.
Dodge Nitro full coverage rates compared to liability only
The information below shows the difference between Dodge Nitro insurance costs with and without full coverage. The information is based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are factored in.
Deciding between full coverage and liability only
There is no written rule to stop paying for physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Dodge Nitro settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after the policy deductible has been paid. If premiums are more than $700 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some situations where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
When in doubt talk to an agent
When buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are unique to you and your car insurance should be unique as well. Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.
- Am I covered while delivering pizza?
- Is coverage enough to protect my assets?
- Does my policy pay for OEM or aftermarket parts?
- Is my ex-spouse still covered by my policy?
- When should I remove my kid from my policy?
- Which companies will insure high-risk drivers?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Local Miami auto insurance agents
Many people would rather visit with an insurance agent and doing so can bring peace of mind The best thing about getting online price quotes is that you can find cheaper premium rates and also buy local.
After filling out this quick form, the quote information is submitted to local insurance agents in Miami who will give competitive quotes and help you find cheaper coverage. There is no reason to do any legwork since price quotes are sent to you instantly. You can find better rates without having to waste a lot of time. If you need to compare rates from a specific insurance company, don’t hesitate to find their quoting web page and fill out their quote form.
Deciding on an insurance company needs to be determined by more than just a cheap price. The following questions are important to ask.
- Will one accident increase rates?
- Can you get a list of referrals?
- Will the quote change when the policy is issued?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they carry Errors and Omissions coverage?
- Are they full-time agents?
Choose the right auto insurance agent
If you prefer to buy car insurance from a good insurance agency, it can be helpful to understand the different types of agencies and how they can service your needs differently. Car insurance agents in Miami are considered either independent (non-exclusive) or exclusive.
Exclusive Agencies
Exclusive insurance agents have only one company to place business with such as Allstate, Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so always compare other rates. Exclusive agents are trained well on their products and sales techniques which aids in selling service over price.
Below is a list of exclusive insurance agencies in Miami willing to provide price quotes.
Rick Burke – State Farm Insurance Agent
2250 S Dixie Hwy Ste. 2 – Miami, FL 33133 – (305) 860-0616 – View Map
Rick Gonzalez – State Farm Insurance Agent
8830 Coral Way – Miami, FL 33165 – (305) 226-3412 – View Map
GEICO Insurance Agent
8514 SW 8th St – Miami, FL 33144 – (305) 595-2911 – View Map
Independent Agents (or Brokers)
Independent agents can sell policies from many different companies and that gives them the ability to insure amongst many companies and get the cheapest rates. If your agent finds better pricing, the agent simply finds a different carrier which is easy for the insured. If you are comparing rate quotes, you will definitely want to include price quotes from multiple independent agents for maximum quote selection.
The following is a short list of independent agencies in Miami who can help you get rate quotes.
Avante Insurance Agency
7490 W Flagler St – Miami, FL 33144 – (305) 648-7070 – View Map
Assure-Us The Insurance Agency
1880 NE 163rd St – North Miami Beach, FL 33162 – (305) 956-7818 – View Map
Estrella Insurance #114
8615 Biscayne Blvd – Miami, FL 33138 – (305) 757-5900 – View Map
Insurance does more than just repair your car
Despite the fact that insurance is not cheap in Miami, insurance is a good idea for several reasons.
- Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Nitro has a lienholder, almost all lenders will make it a condition of the loan that you have insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Dodge for a lot more money and force you to pay the higher premium.
- Insurance protects both your vehicle and your assets. It will also cover medical bills for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of having insurance definitely exceed the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays more than $825 a year so we recommend shopping around once a year at a minimum to save money.
Auto insurance coverage information
Knowing the specifics of insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.
Comprehensive coverage (or Other than Collision)
This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like theft, falling objects and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Auto liability
This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 10/20/10 which stand for a $10,000 limit per person for injuries, $20,000 for the entire accident, and a total limit of $10,000 for damage to vehicles and property.
Liability can pay for things like medical expenses, emergency aid, attorney fees and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible. Florida state minimum liability requirements are 10/20/10 but it’s recommended drivers buy higher limits.
The next chart demonstrates why buying the state minimum limits may not be adequate coverage.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many Florida drivers carry very low liability coverage limits (10/20/10 in Florida), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Collision coverage protection
This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as scraping a guard rail, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible on your Nitro to bring the cost down.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as pain medications, nursing services, chiropractic care and surgery. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
How to find a good Florida car insurance company
Ending up with a high-quality auto insurance provider is difficult considering how many companies provide coverage in Florida. The rank data in the lists below could help you pick which insurers to look at when comparing rates.
Top 10 Miami Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Miami Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
A little work can save a LOT of money
Affordable Dodge Nitro insurance in Miami is possible from both online companies and also from your neighborhood Miami agents, and you need to comparison shop both to have the best selection. Some insurance companies may not offer online price quotes and many times these smaller companies only sell through independent agents.
We covered a lot of tips how to reduce Dodge Nitro insurance prices online in Miami. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small mutual company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.
Additional information is available on the following sites:
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Quotes for a Chevrolet Malibu in Miami? (FAQ)
- Who Has Affordable Miami Car Insurance for a Mazda CX-7? (FAQ)
- How Much are Auto Insurance Quotes with Multiple Speeding Tickets in Miami? (FAQ)
- What Insurance is Cheapest for Uber Drivers in Miami? (FAQ)
- Who Has Affordable Miami Auto Insurance Rates for a Nissan Sentra? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Chevrolet Silverado in Miami? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Side Impact Crash Tests (iihs.org)