Affordable Dodge Nitro Insurance in Toledo

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It's a known fact that auto insurance companies want to keep you from comparing rates. Insureds who shop around for cheaper price quotes will most likely switch auto insurance companies because there are good odds of finding a more affordable policy. Surprisingly, a recent survey revealed that drivers who made a habit of comparing rates saved on average $70 a month compared to those who never compared other company's rates.

If finding the cheapest rates on auto insurance is the reason you're here, then knowing how to shop for auto insurance can save time, money, and frustration.

Insurance for Dodge NitroTruthfully, the best way to find low-cost Dodge Nitro insurance in Toledo is to do a yearly price comparison from companies in Ohio. Drivers can shop around by completing these steps.

  1. Try to learn about car insurance and the things you can control to prevent high rates. Many things that drive up the price such as traffic citations and a poor credit score can be amended by making small lifestyle or driving habit changes.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive and State Farm, while independent agencies can quote prices for a wide range of insurance providers. View insurance agents
  3. Compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate quote and decide to switch, make sure coverage does not lapse between policies.
  4. Provide proper notification to your current company of your intent to cancel the current policy and submit the required down payment along with the signed application for your new coverage. As soon as you have the new policy, place your new proof of insurance certificate in your vehicle.

An important note is to use the same deductibles and limits on every price quote and and to get price quotes from as many companies as feasibly possible. Doing this helps ensure a fair price comparison and a complete selection of prices.

These tips will help you learn how car insurance quotes work and some money-saving tips. If you have coverage now, you will be able to get lower rates using this information. Consumers just have to learn the most effective way to get comparison quotes using one simple form.

Auto insurance providers offering low-cost rate quotes in Ohio

The providers in the list below are our best choices to provide free quotes in Toledo, OH. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.

Rates and other information

The price information displayed below covers estimates of insurance costs for Dodge Nitro models. Having a better idea how auto insurance premiums are formulated can benefit drivers when making informed decisions when comparing rate quotes.

Dodge Nitro Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $74 $130 $246 $14 $74 $538 $45
Nitro SE 2WD $74 $130 $246 $14 $74 $538 $45
Nitro SE 4WD $84 $130 $246 $14 $74 $548 $46
Nitro SXT 2WD $84 $130 $246 $14 $74 $548 $46
Nitro Heat 4WD $84 $130 $246 $14 $74 $548 $46
Nitro Detonator 2WD $84 $158 $246 $14 $74 $576 $48
Nitro SXT 4WD $84 $158 $246 $14 $74 $576 $48
Nitro Shock 2WD $84 $158 $246 $14 $74 $576 $48
Nitro Detonator 4WD $84 $158 $246 $14 $74 $576 $48
Nitro Shock 4WD $96 $158 $246 $14 $74 $588 $49
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in specific zip code location which can impact prices significantly.

Policy deductibles

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The figures shown below illustrate the costs and benefits of buying low and high deductibles. The first data table uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Dodge Nitro insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $170 $290 $256 $16 $76 $833 $69
Nitro SE 2WD $170 $290 $256 $16 $76 $833 $69
Nitro SE 4WD $196 $290 $256 $16 $76 $859 $72
Nitro SXT 2WD $196 $290 $256 $16 $76 $859 $72
Nitro Heat 4WD $196 $290 $256 $16 $76 $859 $72
Nitro Detonator 2WD $196 $352 $256 $16 $76 $921 $77
Nitro SXT 4WD $196 $352 $256 $16 $76 $921 $77
Nitro Shock 2WD $196 $352 $256 $16 $76 $921 $77
Nitro Detonator 4WD $196 $352 $256 $16 $76 $921 $77
Nitro Shock 4WD $220 $352 $256 $16 $76 $945 $79
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Dodge Nitro insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $94 $152 $256 $16 $76 $594 $50
Nitro SE 2WD $94 $152 $256 $16 $76 $594 $50
Nitro SE 4WD $108 $152 $256 $16 $76 $608 $51
Nitro SXT 2WD $108 $152 $256 $16 $76 $608 $51
Nitro Heat 4WD $108 $152 $256 $16 $76 $608 $51
Nitro Detonator 2WD $108 $186 $256 $16 $76 $642 $54
Nitro SXT 4WD $108 $186 $256 $16 $76 $642 $54
Nitro Shock 2WD $108 $186 $256 $16 $76 $642 $54
Nitro Detonator 4WD $108 $186 $256 $16 $76 $642 $54
Nitro Shock 4WD $122 $186 $256 $16 $76 $656 $55
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Table data does not factor in specific location information which can change coverage rates significantly.

Based on these figures, using a $100 deductible will cost you roughly $22 more each month or $264 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 41 months between claims, you would probably be better off by selecting a higher deductible.

How to calculate deductible break even point

Average monthly premium for $100 deductibles: $74
Average monthly premium for $1,000 deductibles (subtract): - $52
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 41 months

One thing to be aware of is that a higher deductible means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You should have enough savings in the event you have to pay the deductible.

The diagram below illustrates how choosing a deductible and can change Dodge Nitro premium costs for different ages of insureds. The price estimates are based on a married male driver, comp and collision included, and no other discounts are factored in.

Dodge Nitro full coverage rates compared to liability only

The example below illustrates the difference between Dodge Nitro insurance costs with liability coverage only compared to full coverage. The prices are based on no claims or driving violations, $500 deductibles, marital status is single, and no discounts are factored in.

When to drop full coverage

There is no set guideline to drop physical damage insurance, but there is a general school of thought. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let's pretend your Dodge Nitro replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after the deductible is paid. If premium cost is more than $700 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some cases where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Don't neglect these money saving discounts

Car insurance is not cheap, but discounts can save money and there are some available that many people don't even know exist. Many of these discounts will be applied automatically when you complete an application, but some discounts are required to be manually applied before you will receive the discount.Discount insurance

  • Discount for Passive Restraints - Vehicles with factory air bags or motorized seat belts may get savings as much as 30%.
  • Discounts for Federal Employees - Federal government employees may reduce rates when you quote Toledo auto insurance with certain companies.
  • Seat Belt Discounts - Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Clubs and Organizations - Joining a civic or occupational organization in Toledo is a good way to get lower rates when getting a Toledo auto insurance quote.
  • Discounts for Multiple Vehicles - Buying insurance for multiple cars with one company can get a discount for every vehicle.
  • Senior Discount - Mature drivers are able to get a discount up to 10%.
  • Onboard Data Collection - Drivers that enable their company to look at driving manner by using a telematic data system like In-Drive from State Farm and Progressive's Snapshot could see a rate decrease if their driving habits are good.
  • Anti-lock Brakes - Vehicles with ABS and/or traction control can avoid accidents so you can save 10 percent or more.
  • Smart Student Discounts - Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts up until you turn 25.

Discounts save money, but please remember that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like it's possible to get free car insurance, you won't be that lucky. But all discounts will definitely lower your overall premium however.

The example below illustrates the difference between Dodge Nitro insurance prices with and without discounts applied to the rates. The price estimates are based on a female driver, no claims or driving citations, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, multi-policy, and homeowner discounts applied.

A list of insurance companies and the discounts they provide are detailed below.

  • State Farm has savings for multiple policy, Steer Clear safe driver discount, good driver, driver's education, student away at school, accident-free, and defensive driving training.
  • Farmers Insurance has discounts for youthful driver, early shopping, electronic funds transfer, switch companies, and business and professional.
  • GEICO may include discounts for multi-policy, military active duty, daytime running lights, membership and employees, multi-vehicle, anti-lock brakes, and good student.
  • American Family offers premium reductions for Steer into Savings, bundled insurance, early bird, TimeAway discount, defensive driver, and accident-free.
  • Nationwide offers discounts including accident-free, anti-theft, easy pay, multi-policy, business or organization, good student, and defensive driving.
  • Progressive policyholders can earn discounts including good student, multi-policy, online quote discount, homeowner, continuous coverage, and online signing.

If you want low cost Toledo auto insurance quotes, ask each company which discounts you qualify for. All car insurance discounts might not be offered in your state. To see companies that offer some of these discounts in Toledo, click this link.

How You Can Control Dodge Nitro Insurance Costs

Many factors are used in the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, but other factors are more obscure such as whether you are married or your financial responsibility.

The following are some of the most common factors that factor into rates.

  • Gender and insurance costs - Over time, data shows women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. They both cause fender benders in similar percentages, but men get into accidents with more damage. Not only that, but men also get higher numbers of serious violations like driving under the influence (DUI).

    The chart below illustrates the comparison of Dodge Nitro insurance costs for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

  • Remove unneeded extra coverages - There are quite a few optional add-on coverages that you can buy when buying car insurance. Coverages like personal injury protection, better glass coverage, and extra life insurance coverage may not be needed and are just wasting money. These may sound like a good investment at first, but if they're wasting money remove them from your policy.
  • Is your vehicle theft-ready? - Choosing to buy a car with a 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.
  • Compare rates if you combine your policies - Most major insurance companies will award lower prices to people that buy multiple policies in the form of a multi-policy discount. The discount can add up to 10 percent or more. Even with this discount, consumers should still compare other company rates to confirm you are receiving the best rates possible. It's possible to still save money even if you insure with multiple companies
  • How do annual miles impact premiums? - The more miles you rack up on your Dodge annually the higher your rates will be. A lot of companies price each vehicle's coverage based upon how the vehicle is primarily used. Autos used primarily for pleasure use can be on a lower rate level than vehicles that are driven to work every day. Having an incorrect usage rating on your Nitro can result in significantly higher rates. It's a smart idea to ensure your car insurance coverage shows the correct usage for each vehicle, because it can save money.

Auto insurance can be complex

When buying coverage, there really is no cookie cutter policy. Every situation is different and your auto insurance should be unique as well.Auto insurance savings These are some specific questions may help you determine if your situation may require specific advice.

  • What are the financial responsibility laws in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What does medical payments cover?
  • Do I need roadside assistance coverage?
  • Am I covered if I wreck a rental car?
  • What is UM/UIM insurance?
  • Is my vehicle covered by my employer's policy when using it for work?
  • How much underlying liability do I need for an umbrella policy?
  • Should I pay a claim out-of-pocket?
  • Am I insured when driving a different vehicle?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Insurance is available from local insurance agents

Some consumers just want to have an agent's advice and that is a personal choice. Insurance agents can help determine the best coverages and help you file claims. One of the benefits of price shopping on the web is you can get cheap insurance rates and still choose a local agent. Buying insurance from small agencies is definitely important in Toledo.

Toledo insurance agentsOnce you complete this form (opens in new window), your insurance coverage information is transmitted to local insurance agents who will give competitive quotes and help you find cheaper coverage. There is no need to even leave your home since rate quotes are delivered to you instantly. If for some reason you want to compare prices from a specific company, you just need to navigate to their website and give them your coverage information.

Below are Toledo car insurance companies that may be able to provide comparison quotes for Dodge Nitro insurance in Toledo.

3132 W Sylvania Ave - Toledo, OH 43623 - (419) 725-0056 - View Map

1310 W Sylvania Ave - Toledo, OH 43612 - (419) 478-2400 - View Map

Marty Vugrinac - State Farm Insurance Agent
1022 S Reynolds Rd - Toledo, OH 43615 - (419) 389-0533 - View Map

1900 Monroe St - Toledo, OH 43604 - (419) 241-8061 - View Map

View more agents

Finding a good provider requires you to look at more than just a low price. Here are some questions to ask:

  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • If your car is totaled, how to they determine the replacement cost?
  • Will one accident increase rates?
  • How many years of experience in personal auto insurance do they have?
  • Is the quote a firm price?
  • If you raise deductibles, how much can you save?
  • Is insurance their full-time profession?

Persistence pays off

You just read a lot of techniques to compare Dodge Nitro insurance auto insurance rates in Toledo. It's most important to understand that the more companies you get premium rates for, the higher your chance of finding the cheapest Dodge Nitro rate quotes. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies. Regional companies may have significantly lower premium rates on certain market segments than the large multi-state companies such as State Farm, GEICO and Nationwide.

When shopping online for car insurance, it's very important that you do not skimp on coverage in order to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find for the lowest cost.

Much more information about car insurance in Ohio is located on the following sites: