Auto Insurance Quotes for a Dodge Nitro in Los Angeles

Trying to find the cheapest insurance for a Dodge Nitro in California can normally be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to shop for insurance and you need to know the absolute fastest way to price shop coverage for a new or used Dodge and get the best price possible from both online companies and Los Angeles agents.

It’s a good idea to get comparison quotes before your policy renews since rates are constantly changing. Even if you got the lowest rate on Dodge Nitro insurance in Los Angeles a couple years back you can probably find a better price now. Don’t believe everything you read about Nitro insurance on the web, but in a few minutes you can learn some solid techniques on how to buy insurance cheaper in Los Angeles.

The companies in the list below can provide free quotes in California. If multiple providers are shown, we suggest you visit as many as you can in order to get a fair rate comparison.

Score discounts to get cheaper Los Angeles insurance quotes

Some providers don’t always advertise their entire list of discounts very clearly, so the list below gives a summary of some of the best known and the more hidden discounts that you can inquire about if you buy Los Angeles auto insurance online.

• Policy Bundle Discount – If you can combine your auto and home policy and insure them with the same company you could get a discount of nearly 15% which can help you find affordable Dodge Nitro insurance rates in Los Angeles.
• Sign Early and Save – A few insurance companies offer discounts for switching to them before your current coverage expires. It could save around 10% when you buy Los Angeles auto insurance online.
• Professional Organizations – Being a member of a civic or occupational organization in Los Angeles could earn you a nice discount on your next renewal.
• Safety Course Discount – Passing a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.
• Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

The example below visualizes the comparison of Dodge Nitro car insurance costs with and without discounts. The information is based on a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, safe-driver, marriage, and multi-policy discounts applied.

To see insurance companies offering insurance discounts in California, click here.

Insurance coverage analysis

The coverage table displayed next highlights detailed analysis of insurance policy prices for Dodge Nitro models. Having knowledge of how policy rates are figured can aid in making smart choices when choosing a car insurance company.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in specific garaging location which can revise price quotes significantly.

Comparison of policy deductibles

One frequently asked question is which deductible level should you buy. The premium rates below approximate the cost difference when you buy lower versus higher physical damage coverage deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Prices do not factor in your specific Los Angeles location which can change price quotes considerably.

We can derive from the above data that using a $100 deductible will cost in the ballpark of $41 more each month or $492 for a full year averaged for all Nitro models than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 22 months between claim filings, you would come out ahead if you elect the higher deductible.

Poor driving habits will raise your car insurance rates

The example below illustrates how traffic citations and at-fault collisions can raise Dodge Nitro auto insurance costs for different insured age categories. The premium estimates are based on a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Rate comparison of men versus women

The illustration below visualizes the comparison of Dodge Nitro premium costs for male and female drivers. The data assumes no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

You may want advice from an insurance agent

Many people still like to sit down with an agent and often times that is recommended Good insurance agents are very good at helping people manage risk and help in the event of a claim. One of the great benefits of comparing insurance online is the fact that drivers can get cheap rate quotes and still choose a local agent. Buying insurance from local insurance agencies is important particularly in Los Angeles.

After filling out this short form, your insurance coverage information is sent to agents in your area who will give you bids to get your business. It makes it easy because there is no need to contact an agency due to the fact that quote results will go straight to your inbox. If for some reason you want to get a rate quote for a specific company, feel free to find their quoting web page to submit a rate quote request.

Los Angeles car insurance agents come in two flavors

If you are searching for a reputable insurance agent or broker, you should know the types of insurance agents and how they differ in how they can insure your vehicles. Agents can be categorized as either exclusive or independent (non-exclusive). Both types of agents can write insurance policies, but it’s a good idea to understand the subtle differences because it can factor into the kind of agent you use.

Independent Insurance Agencies or Brokers

Independent agencies do not have single company limitations and that is an advantage because they can write policies through lots of different companies and find you the best rates. To transfer your coverage to a different company, they can switch companies in-house and the insured can keep the same agent.

When comparing insurance rates, you absolutely need to contact several independent agencies so that you have a good selection of quotes to compare. Most independent agents also contract with smaller regional carriers which can save you money.

Below is a short list of independent insurance agents in Los Angeles that may be able to give cheap rate quotes.

• Crown Reinas Insurance Agency
  5331 N Figueroa St – Los Angeles, CA 90042 – (323) 550-1444 – View Map
• InsurAide Insurance Agency, Inc. (IIA)
  1081 Westwood Blvd Suite 218 – Los Angeles, CA 90024 – (310) 208-3548 – View Map
• Lloyd S. Berkett Insurance Agency, Inc.
  11150 W Olympic Blvd # 1100 – Los Angeles, CA 90064 – (310) 857-5757 – View Map

More Los Angeles agents

Exclusive Insurance Agents

Exclusive agencies can only place business with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agencies are very knowledgeable on their company’s products which helps overcome the inability to quote other rates. Many people use the same agent partially due to the brand and strong financial ratings.

Below is a list of exclusive insurance agencies in Los Angeles willing to provide rate quotes.

• Odette Manalastas – State Farm Insurance Agent
  4448 Eagle Rock Blvd e – Los Angeles, CA 90041 – (323) 254-5800 – View Map
• Allstate Insurance: Carmina San Jose
  628 N Vermont Ave Ste 12 – Los Angeles, CA 90004 – (213) 383-5120 – View Map
• Laura Mora – State Farm Insurance Agent
  5858 N Figueroa St a – Los Angeles, CA 90042 – (323) 478-9346 – View Map

More Los Angeles agents

Deciding on a car insurance agent should depend on more than just a cheap price quote. Any agent in Los Angeles should be willing to answer these questions.

• Does the agent help file claims?
• Do they offer rental car reimbursement?
• Is there a Errors and Omissions policy in force?
• Which companies do they recommend if they are an independent agency?
• Which insurance company do they prefer to write with?

Car insurance is an important decision

Even though Los Angeles Nitro insurance rates can get expensive, buying car insurance serves a purpose in several ways.

First, most states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability protection if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you bought your car with a loan, almost all lenders will make it a condition of the loan that you carry insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Dodge at a much higher premium rate and make you pay much more than you were paying before.

Third, car insurance preserves not only your vehicle but also your financial assets. Insurance will also pay for all forms of medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance definitely exceed the cost, particularly when you have a large claim. Unknowingly, the average driver is overpaying more than $830 a year so you should quote rates each time the policy renews to ensure rates are competitive.

Car insurance coverage information

Having a good grasp of auto insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance – Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 15/30/5 that translate to $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like bail bonds, funeral expenses and medical expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible. California state minimum liability requirements are 15/30/5 but drivers should carry better liability coverage.

The next chart demonstrates why the minimum limit may not be high enough to cover claims.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, damaging your car on a curb, hitting a mailbox, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible on your Nitro to bring the cost down.

Uninsured and underinsured coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Dodge Nitro.

Because many people only purchase the least amount of liability that is required (which is 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for doctor visits, dental work and X-ray expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, hitting a bird and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Cheap car insurance premiums are possible

Lower-priced Dodge Nitro insurance in Los Angeles can be bought online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. A few companies don’t offer online rate quotes and these small insurance companies only sell coverage through independent agents.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage for the lowest price.

You just read a lot of ways to save on Dodge Nitro insurance in Los Angeles. The key concept to understand is the more price quotes you have, the better likelihood of getting affordable Los Angeles auto insurance quotes. Consumers may even find the most savings is with a small local company.

For more information, feel free to visit the following helpful articles:

• Auto Insurance Learning Center (State Farm)
• How Much is Auto Insurance for a Hyundai Elantra in Los Angeles? (FAQ)
• Who Has Cheap Los Angeles Auto Insurance for State Employees? (FAQ)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)