Cheap Dodge Nitro Insurance in Tampa

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Insurance rates Dodge Nitro in TampaSearching for cheaper insurance for a new or used Dodge Nitro in Florida can be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to compare insurance rates so we're going to tell you the quickest way to quote coverages on a Dodge and locate the lowest possible price either online or from Tampa insurance agents.

Shocking but true, a large majority of insurance policyholders have stayed with the same insurance company for more than four years, and roughly 40% of drivers have never quoted rates to find cheap coverage. The average driver in Tampa could save an average of up to $1,130 each year, but they just don't understand the actual amount they would save if they switched to a more affordable policy.

All major insurance companies give insurance quotes online. Obtaining pricing for Dodge Nitro insurance in Tampa can be done by anyone because you just enter your coverage preferences into a form. When complete, the company's rating system makes automated requests for your driving record and credit report and generates pricing information based on many factors.

This makes it simple to compare prices and it is imperative to perform this step in order to get cheap insurance pricing.

If you want to use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it's recommended you replicate deductibles and limits identical to your current policy. Doing this assures you will be getting comparison quotes for similar coverage.

The companies in the list below have been selected to offer price comparisons in Tampa, FL. To get cheaper auto insurance in Tampa, we recommend you visit several of them to find the most affordable car insurance rates.

Dodge Nitro detailed coverage information

The price information shown below covers a range of coverage prices for Dodge Nitro models. Understanding how insurance prices are determined can assist in making informed decisions when comparing rate quotes.

Dodge Nitro Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $228 $360 $472 $28 $142 $1,230 $103
Nitro SE 2WD $228 $360 $472 $28 $142 $1,230 $103
Nitro SE 4WD $262 $360 $472 $28 $142 $1,264 $105
Nitro SXT 2WD $262 $360 $472 $28 $142 $1,264 $105
Nitro Heat 4WD $262 $360 $472 $28 $142 $1,264 $105
Nitro Detonator 2WD $262 $438 $472 $28 $142 $1,342 $112
Nitro SXT 4WD $262 $438 $472 $28 $142 $1,342 $112
Nitro Shock 2WD $262 $438 $472 $28 $142 $1,342 $112
Nitro Detonator 4WD $262 $438 $472 $28 $142 $1,342 $112
Nitro Shock 4WD $296 $438 $472 $28 $142 $1,376 $115
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific Tampa garaging location which can lower or raise prices noticeably.

Higher deductibles lower rates

The hardest decision when buying coverage is how low should you set your deductibles. The data tables below sum up the rate differences between low and high insurance deductibles. The first data set uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Dodge Nitro insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $280 $446 $472 $28 $142 $1,393 $116
Nitro SE 2WD $280 $446 $472 $28 $142 $1,393 $116
Nitro SE 4WD $322 $446 $472 $28 $142 $1,435 $120
Nitro SXT 2WD $322 $446 $472 $28 $142 $1,435 $120
Nitro Heat 4WD $322 $446 $472 $28 $142 $1,435 $120
Nitro Detonator 2WD $322 $544 $472 $28 $142 $1,533 $128
Nitro SXT 4WD $322 $544 $472 $28 $142 $1,533 $128
Nitro Shock 2WD $322 $544 $472 $28 $142 $1,533 $128
Nitro Detonator 4WD $322 $544 $472 $28 $142 $1,533 $128
Nitro Shock 4WD $364 $544 $472 $28 $142 $1,575 $131
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Dodge Nitro insurance with $1,000 deductibles
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
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Information does not factor in vehicle garaging location which can change insurance rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $28 more each month or $336 every year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 27 months between claims, you would most likely save money by selecting a higher deductible.

Illustration showing the impact of accidents and violations

The diagram below shows how traffic citations and at-fault accidents raise Dodge Nitro auto insurance costs for different categories of driver ages. The rates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

Rate comparison of men versus women in Tampa

The information below compares Dodge Nitro insurance rates for male and female drivers. The costs are based on no accidents or driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

Best reasons to buy insurance in Florida

Even though it can be expensive, paying for insurance is a good idea for several reasons.

  • Just about all states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage in order to license the vehicle. 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 you took out a loan on your Nitro, it's guaranteed your bank will force you to buy insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may buy a policy for your Dodge at a more expensive rate and force you to reimburse them the higher premium.
  • Insurance preserves both your assets and your Dodge Nitro. It will also reimburse you for many types of medical costs for yourself as well as anyone injured by you. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having insurance outweigh the cost, specifically if you ever have a liability claim. Unknowingly, the average driver overpays more than $700 annually so it's important to compare rates at every renewal to be sure current rates are still competitive.

How do Insurance Companies Determine Dodge Nitro Insurance Costs?

When buying auto insurance it's important to understand the different types of things that play a part in calculating your auto insurance rates. If you have some idea of what determines premiums, this enables informed choices that can help you get lower premium levels. Many factors are part of the equation when quoting car insurance. Some factors are common sense like your driving record, although others are less obvious such as whether you are married or your vehicle rating.

The following are some of the factors that factor into your prices.

Costs may be higher where you live - Living in small towns and rural areas can be a good thing if you are looking for the lowest rates. People in densely populated areas regularly have traffic congestion and a longer drive to work. Fewer drivers corresponds to lower accident rates and a lower car theft rate.

Having a spouse brings a discount - Your spouse can actually save you money when buying auto insurance. It demonstrates that you tend to be more mature and it's proven that married couples file fewer claims.

Advanced alarms and GPS tracking - Owning a car with advanced anti-theft systems can save you some money. Theft deterrent systems like GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.

How old are your drivers? - Mature drivers are viewed as being more responsible, statistically cause fewer accidents, and are generally more financially stable. Inexperience drivers are known to get distracted easily when behind the wheel so they pay higher auto insurance rates.

The chart below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

Drivers with good credit save - A driver's credit rating can be a huge factor in determining what you pay. If your credit rating leaves room for improvement, you could pay less to insure your Dodge Nitro by spending a little time repairing your credit. Drivers who have excellent credit scores tend to be less risk to insure as compared to drivers with poor credit.

Car insurance discounts help lower rates for Dodge Nitro insurance in Tampa

Car insurance is expensive, but there are discounts available that many consumers don't even know exist. Some of these discounts will be visible when you complete an application, but some may not be applied and must be manually applied prior to getting the savings.Save money with discounts

  • Telematics Data - Tampa drivers who agree to allow companies to spy on when and where they use their vehicle by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system could possibly reduce rates if they have good driving habits.
  • Good Student Discount - Excelling in school may save as much as 25% on a Tampa auto insurance quote. The discount lasts up to age 25.
  • Discount for Swiching Early - A few car insurance companies allow discounts for switching companies prior to your current Nitro insurance policy expiring. This discount can save up to 10%.
  • Tampa Homeowners Discount - Owning a house in Tampa can help you save on car insurance because maintaining a house requires personal responsibility.
  • Driver's Education for Students - Make teen driver coverage more affordable by requiring them to participate in a local driver's education class in school or through a local driver safety program.
  • Responsible Driver Discount - Insureds without accidents can get discounts for up to 45% lower rates compared to accident prone drivers.

While discounts sound great, it's important to understand that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think you could get a free car insurance policy, companies wouldn't make money that way.

The example below illustrates the comparison of Dodge Nitro insurance premiums with and without some available policy discounts. The price estimates are based on a male driver, no accidents or driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, multi-car, safe-driver, and marriage discounts applied.

A few of the larger companies and some of the discounts are:

  • State Farm offers discounts for anti-theft, Steer Clear safe driver discount, student away at school, multiple policy, and good driver.
  • Nationwide includes discounts for easy pay, good student, Farm Bureau membership, family plan, multi-policy, anti-theft, and business or organization.
  • GEICO offers discounts including anti-theft, daytime running lights, multi-vehicle, military active duty, defensive driver, and good student.
  • AAA discounts include anti-theft, pay-in-full, good driver, education and occupation, AAA membership discount, and multi-policy.
  • 21st Century may offer discounts for driver training, theft prevention, teen driver, automatic seat belts, homeowners, early bird, and air bags.
  • The Hartford has discounts for air bag, vehicle fuel type, anti-theft, good student, and bundle.

When getting free Tampa auto insurance quotes, it's a good idea to each company to apply every possible discount. All car insurance discounts might not be offered in your area. To see providers with discount rates in Florida, click this link.

Don't assume everyone needs the same insurance coverage

When choosing coverage online or from an agent for your personal vehicles, there really is not a single plan that fits everyone. You are unique so your insurance should reflect thatInsurance savings For instance, these questions can aid in determining whether you would benefit from professional advice.

  • Should I get collision insurance on every vehicle?
  • Which companies will insure high-risk drivers?
  • Should I buy more coverage than the required Florida minimum liability coverage?
  • How long can I keep a teen driver on my policy?
  • Is a blown tire covered by insurance?
  • Is water damage covered by my policy?
  • How can I find cheaper teen driver insurance?
  • Am I covered when delivering products for my home-based business?
  • Does my policy cover me if I wreck while driving under the influence?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Car insurance quotes from local Tampa insurance agencies

Certain consumers still like to go talk to an agent and that is a personal choice. Most agents can answer important questions and will help you if you have claims. The best thing about comparing car insurance online is that you can obtain cheap car insurance rates but also keep your business local.

Insurance agents in TampaOnce you complete this form (opens in new window), your insurance data is immediately sent to local insurance agents in Tampa who will give you quotes for your coverage. It simplifies rate comparisons since you won't have to contact any agents because prices are sent to you directly. If for some reason you want to get a price quote for a specific company, you can always go to their quote page and complete a quote there.

Finding the right insurer should depend on more than just a cheap price quote. These are valid questions to ask:

  • Which family members are covered?
  • Is the agency covered by Errors and Omissions coverage?
  • Will a damage claim use OEM or aftermarket replacement parts?
  • How are claims handled?
  • Does the company have a local claim office in Tampa?
  • Is the agency active in community causes in Tampa?
  • How will an accident affect your rates?

If you feel you receive acceptable answers and locked in a price quote, most likely you have located an insurer that is reputable and can properly service your car insurance policy. But remember, you are entitled to cancel a policy at any time so never feel that you are permanently stuck with your new company for the full term.

Best auto insurance company in Tampa

Insuring your vehicle with the best company can be a challenge considering how many companies sell insurance in Tampa. The ranking information displayed below can help you pick which car insurance companies to look at when comparing rate quotes.

Best Auto Insurance Companies in Florida
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Persistence is the key to affordable rates

We just presented many ways to get a better price on Dodge Nitro insurance in Tampa. It's most important to understand that the more companies you get car insurance rates for, the better likelihood of getting cheaper Tampa auto insurance quotes. You may even find the lowest priced auto insurance comes from a company that doesn't do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

The cheapest Dodge Nitro insurance in Tampa is available both online in addition to local insurance agencies, so get free Tampa auto insurance quotes from both of them to have the best chance of lowering rates. Some auto insurance companies don't offer online quoting and many times these small, regional companies work with local independent agents.

How to find affordable quotes for Dodge Nitro insurance in Tampa

The best way we recommend to find more affordable Dodge Nitro insurance is to start comparing prices regularly from different companies who sell auto insurance in Tampa. This can be done by following these steps.

  • Step 1: Spend some time learning about how companies price auto insurance and the things you can change to keep rates in check. Many factors that result in higher rates like traffic violations and a not-so-good credit history can be remedied by improving your driving habits or financial responsibility.
  • Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or Farmers Insurance, while independent agencies can provide price quotes from multiple companies.
  • Step 3: Compare the new rate quotes to your current policy premium and determine if cheaper Nitro coverage is available. If you find a lower rate, make sure there is no coverage gap between policies.
  • Step 4: Notify your company or agent to cancel the current policy and submit payment and a signed application to your new company or agent. Immediately upon receiving it, store the proof of insurance paperwork in your vehicle's glove compartment or console.

An essential thing to point out is that you'll want to make sure you compare the same level of coverage on each quote request and to quote with all possible companies. Doing this ensures a fair rate comparison and the best price selection.

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