If saving the most money is your goal, then the best way to find affordable quotes for Dodge Nitro insurance in Cincinnati is to compare quotes annually from companies who sell auto insurance in Ohio.
First, try to comprehend the different coverages in a policy and the steps you can take to keep rates low. Many things that cause rate increases like at-fault accidents, speeding tickets, and a low credit score can be controlled by improving your driving habits or financial responsibility.
Second, compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like Progressive or State Farm, while independent agents can give you price quotes for a wide range of companies. View insurance agents
Third, compare the quotes to your existing rates to see if cheaper Nitro coverage is available in Cincinnati. If you find a lower rate quote and switch companies, make sure there is no lapse in coverage.
A good tip to remember is to use similar deductibles and liability limits on every price quote and and to get quotes from as many companies as you can. This enables an accurate price comparison and the best price selection.
We don’t have to tell you that auto insurance companies don’t want customers comparing rates. Consumers who rate shop once a year will probably switch to a new company because there is a good chance of finding coverage at a cheaper rate. A recent insurance study discovered that consumers who routinely shopped for cheaper coverage saved approximately $3,500 over four years compared to people who never compared prices.
If finding budget-friendly car insurance is the reason you’re here, then having an understanding of how to compare cheaper coverage can make it easier to find better rates.
Companies offering Dodge Nitro insurance in Cincinnati
The providers in the list below provide price comparisons in Cincinnati, OH. If you want cheap auto insurance in Ohio, it’s highly recommended you click on several of them to get the cheapest price.
Car insurance analysis for a Dodge Nitro
The rate table displayed below showcases estimates of insurance prices for Dodge Nitro models. Having a better understanding of how insurance premiums are calculated is important to be able to make smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Nitro Heat 2WD||$108||$152||$336||$20||$100||$716||$60|
|Nitro SE 2WD||$108||$152||$336||$20||$100||$716||$60|
|Nitro SE 4WD||$124||$152||$336||$20||$100||$732||$61|
|Nitro SXT 2WD||$124||$152||$336||$20||$100||$732||$61|
|Nitro Heat 4WD||$124||$152||$336||$20||$100||$732||$61|
|Nitro Detonator 2WD||$124||$186||$336||$20||$100||$766||$64|
|Nitro SXT 4WD||$124||$186||$336||$20||$100||$766||$64|
|Nitro Shock 2WD||$124||$186||$336||$20||$100||$766||$64|
|Nitro Detonator 4WD||$124||$186||$336||$20||$100||$766||$64|
|Nitro Shock 4WD||$140||$186||$336||$20||$100||$782||$65|
|Get Your Own Custom Quote Go|
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in specific location which can impact auto insurance rates noticeably.
The diagram below demonstrates how deductible levels and can change Dodge Nitro insurance premiums for different age groups of insureds. The data is based on a married female driver, full physical damage coverage, and no policy discounts are applied.
Informed Consumers Can Reduce Insurance Rates
The best way to find cheaper insurance is to take a look at the factors that play a part in calculating your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in better insurance rates. Lots of things are taken into consideration when you quote your car insurance policy. Most are fairly basic such as traffic violations, but other criteria are not quite as obvious such as your marital status or how financially stable you are.
Shown below are some of the things utilized by car insurance companies to help set your premiums.
Lower rates with continuous insurance coverage – Driving without insurance coverage in place is illegal and you will pay a penalty because you let your coverage have a gap. In addition to paying higher rates, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
Small claims can cost you – If you file claims often, you shouldn’t be surprised to get higher rates. Car insurance companies in Ohio generally give lower rates to insureds who are not frequent claim filers. Your car insurance is intended to be relied upon for claims that pose a financial burden.
Men pay higher costs – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Men and women tend to get into accidents at a similar rate, but guys have costlier accidents. Men also tend to receive more costly citations such as DWI and reckless driving. Male teenagers are most likely to cause an accident and therefore are the most expensive to insure.
The chart below shows the comparison of Dodge Nitro insurance premiums for male and female drivers. The rates are based on no violations or claims, comp and collision included, $100 deductibles, drivers are single, and no policy discounts are applied.
Bad drivers pay high prices – Drivers who don’t get tickets get better prices than their less careful counterparts. Even one moving violation may cause rates to rise forty percent or more. Drivers with serious violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive.
The example below illustrates how violations and at-fault accidents can impact Dodge Nitro annual premium costs for different categories of driver ages. The rate quotes are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
Alarms and GPS tracking lower rates – Choosing to buy a car with advanced anti-theft systems can save you some money. Systems that thwart thieves such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent auto theft.
Multi-policy discounts can save money – Most major companies apply better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. Even though this discount sounds good, you still need to compare other Cincinnati Nitro insurance rates to help ensure you have the lowest rates.
What type of car do you drive? – The performance level of the car or truck you are trying to find cheaper insurance for makes a significant difference in your auto insurance rates. Economy passenger vehicles receive the most favorable rates, but there are many factors that impact the final cost.
The following chart assumes a married male driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares Dodge Nitro rates compared to other models of vehicles that have a range of performances.
Physical damage deductibles – Comp and collision deductibles are how much you are willing to pay before a claim is paid by your company. Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a stationary object, damage from fire, and damage from wind. The higher the amount you pay before a claim is paid (deductible), the less your insurance will be.
Cheaper rates with these discounts on Dodge Nitro insurance in Cincinnati
Some companies don’t always list every available discount in an easy-to-find place, so here is a list both well-publicized and also the more inconspicuous discounts that you may qualify for. If you do not double check each discount you qualify for, you’re just leaving money on the table.
- Discounts for Government Workers – Active or former government employment could qualify for a slight premium decrease depending on your company.
- E-sign Discounts – Some of the larger companies provide a small discount for completing your application on your computer.
- Memberships – Being a member of a qualifying organization could trigger savings on your next insurance statement.
- Bundled Policy Discount – If you can bundle your auto and homeowners insurance and place coverage with the same company you could save up to 20% and get you inexpensive Dodge Nitro insurance in Cincinnati.
- Telematics Discount – Cincinnati drivers who agree to allow their insurance company to analyze their driving habits through the use of a telematics system like Allstate’s Drivewise could possibly reduce rates if they are good drivers.
Consumers should know that most discount credits are not given to the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you can get free auto insurance, you won’t be that lucky.
The diagram below shows the difference between Dodge Nitro insurance costs with and without discounts. The information is based on a male driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, marriage, multi-car, and homeowner discounts applied.
Large insurance companies and some of the premium reductions they offer include:
- State Farm offers discounts for good driver, multiple policy, good student, passive restraint, multiple autos, and defensive driving training.
- Farmers Insurance may include discounts for pay in full, bundle discounts, early shopping, youthful driver, and multi-car.
- Progressive offers discounts including online quote discount, multi-policy, continuous coverage, multi-vehicle, online signing, good student, and homeowner.
- GEICO discounts include driver training, military active duty, good student, air bags, defensive driver, and multi-vehicle.
- Auto-Owners Insurance has discounts for mature driver, multi-policy, good student, company car, safe driver, anti-lock brakes, and air bags.
- The Hartford includes discounts for good student, bundle, defensive driver, anti-theft, and vehicle fuel type.
- Farm Bureau may offer discounts for driver training, renewal discount, youthful driver, good student, multi-policy, and safe driver.
- USAA has savings for multi-vehicle, new vehicle, family discount, military installation, annual mileage, loyalty savings, and multi-policy.
If you want cheaper Cincinnati auto insurance quotes, ask each company which discounts you may be entitled to. Discounts may not apply everywhere. To see companies who offer cheap Dodge Nitro insurance quotes in Ohio, click here.
Car insurance agents can help
Some consumers just prefer to sit down and talk to an agent and doing that can be a smart decision Good agents can answer important questions and help submit paperwork. One of the great benefits of price shopping on the web is that drivers can save money and get the best rates and still have an agent to talk to.
Upon completion of this short form, your insurance data is sent to participating agents in Cincinnati that provide free Cincinnati auto insurance quotes for your business. You don’t have to visit any agencies as quotes are delivered directly to you. If you want to get a price quote from a specific insurance provider, feel free to jump over to their website and complete a quote there.
Choosing a insurer needs to be determined by more than just a cheap price. Agents should be asked these questions:
- Do they have designations such as AIC, CPCU, or CIC?
- Do they carry Errors and Omissions coverage?
- How are they compensated?
- Are they in the agency full-time?
- Which family members are covered?
Below is a list of auto insurance companies in Cincinnati that can give you comparison quotes for Dodge Nitro insurance in Cincinnati.
- Meissner Insurance Agency
3710 Harrison Ave – Cincinnati, OH 45211 – (513) 661-4426 – View Map
- Steve Ulmer – State Farm Insurance Agent
3518 Glenmore Ave – Cincinnati, OH 45211 – (513) 662-4300 – View Map
- CMS Insurance Inc
2756 Erie Ave – Cincinnati, OH 45208 – (513) 321-2000 – View Map
- Huesman Schmid Insurance Agency, Inc
5670 Cheviot Rd – Cincinnati, OH 45247 – (513) 521-8590 – View Map
After talking to the agent and getting good responses for all questions you ask as well as offering an affordable quote, you may have found an insurer that meets the requirements to adequately provide insurance. But remember, you are able to cancel coverage when you choose so don’t feel that you’re stuck with any specific agency with no way to switch.
Which car insurance company is best in Ohio?
Ending up with a highly-rated insurance provider can be difficult considering how many different companies there are to choose from in Cincinnati. The company rank data in the next section could help you select which auto insurers to look at to insure your vehicles.
Top 10 Cincinnati Car Insurance Companies Overall
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
Top 10 Cincinnati Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Find cheap rates by being thorough
People leave their current company for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, questionable increases in premium and policy non-renewal. Regardless of your reason, switching car insurance companies can be easier than you think.
You just read a lot of techniques to reduce Dodge Nitro insurance premium rates online in Cincinnati. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates come from a lesser-known regional company.
As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an insured dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. The goal is to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.
- Young Drivers: The High Risk Years Video (iihs.org)
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- Who Has Affordable Car Insurance Rates for Drivers Under 25 in Cincinnati? (FAQ)
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- Older Drivers FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)
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