It’s well known that auto insurance companies don’t want you to look at other companies. Drivers who get price quotes annually are likely to buy a new policy because they have a good chance of finding a lower rate. A survey found that drivers who compared rates annually saved $3,500 over four years compared to policyholders who never compared other company’s rates.
If finding the cheapest price for car insurance is the reason for your visit, then having a good understanding how to get rate quotes and compare coverage rates can make the process more efficient.
The most effective way to get more affordable Dodge Nitro insurance in Madison is to compare prices regularly from insurers in Wisconsin.
Step 1: Read and learn about how companies price auto insurance and the changes you can make to keep rates low. Many risk factors that increase rates like distracted driving and an imperfect credit rating can be rectified by making minor changes to your lifestyle.
Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from one company like Progressive and State Farm, while agents who are independent can provide price quotes from many different companies.
Step 3: Compare the price quotes to your existing rates to see if you can save by switching companies. If you find a lower rate quote and change companies, verify that coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company to cancel your current policy and submit any necessary down payment along with the completed application for your new coverage. As soon as you have the new policy, place the new certificate verifying coverage in your vehicle’s glove compartment or console.
One piece of advice is that you’ll want to compare the same level of coverage on every price quote and and to get rates from as many companies as feasibly possible. Doing this provides an accurate price comparison and a thorough price selection.
If you have insurance now, you should be able to find the best rates using the ideas covered in this article. Finding the cheapest auto insurance coverage in Madison is much easier if you have a good place to start. Nevertheless, Wisconsin consumers should learn the way companies market on the web.
Insurance data for a Dodge Nitro
The price information displayed below showcases a range of insurance rates for Dodge Nitro models. Having insight into how car insurance premiums are established can help you make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $144 | $198 | $340 | $20 | $102 | $804 | $67 |
| Nitro SE 2WD | $144 | $198 | $340 | $20 | $102 | $804 | $67 |
| Nitro SE 4WD | $164 | $198 | $340 | $20 | $102 | $824 | $69 |
| Nitro SXT 2WD | $164 | $198 | $340 | $20 | $102 | $824 | $69 |
| Nitro Heat 4WD | $164 | $198 | $340 | $20 | $102 | $824 | $69 |
| Nitro Detonator 2WD | $164 | $242 | $340 | $20 | $102 | $868 | $72 |
| Nitro SXT 4WD | $164 | $242 | $340 | $20 | $102 | $868 | $72 |
| Nitro Shock 2WD | $164 | $242 | $340 | $20 | $102 | $868 | $72 |
| Nitro Detonator 4WD | $164 | $242 | $340 | $20 | $102 | $868 | $72 |
| Nitro Shock 4WD | $186 | $242 | $340 | $20 | $102 | $890 | $74 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in specific garaging location which can affect rates substantially.
Responsible drivers pay cheaper insurance rates
The illustration below illustrates how traffic citations and accidents can increase Dodge Nitro annual premium costs for each different age group. The costs are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
Annual premiums for males versus females in Madison
The diagram below illustrates the difference between Dodge Nitro insurance premiums for male and female drivers. The premiums are based on no tickets, no at-fault accidents, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied to the premium.
Cheaper Madison insurance rates with discounts
Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help bring down the price. Larger premium reductions will be automatically applied when you quote, but a few need to be requested specifically before you will receive the discount.
- Club Memberships – Affiliation with qualifying clubs or civic groups could earn you a nice discount when getting a Madison car insurance quote.
- Discount for Swiching Early – Select insurance companies give a discount for signing up early. It can save you around 10%.
- Senior Citizens – If you qualify as a senior citizen, you are able to get a small discount on rates.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to wear their seat belts can save a little on the premium charged for medical payments and/or PIP.
- Resident Student – Youth drivers who are attending college and do not have a car could qualify for this discount.
Don’t be surprised that most of the big mark downs will not be given to the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky.
The example below shows the difference between Dodge Nitro insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no accidents or driving violations, Wisconsin 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 safe-driver, marriage, claim-free, multi-car, homeowner, and multi-policy discounts applied.
Popular insurance companies and their possible discounts can be read below.
- GEICO offers discounts for anti-lock brakes, defensive driver, good student, seat belt use, multi-policy, and air bags.
- MetLife offers premium reductions for multi-policy, good student, good driver, accident-free, defensive driver, and claim-free.
- Progressive may include discounts for multi-policy, continuous coverage, multi-vehicle, good student, and online quote discount.
- Travelers includes discounts for multi-car, hybrid/electric vehicle, save driver, student away at school, good student, early quote, and continuous insurance.
- SAFECO has discounts for anti-lock brakes, accident prevention training, bundle discounts, multi-car, homeowner, and teen safe driver.
- AAA has savings for pay-in-full, multi-policy, good driver, education and occupation, anti-theft, multi-car, and AAA membership discount.
Check with each insurance company to apply every possible discount. Savings may not be offered in your area. To find insurance companies who offer discounts in Wisconsin, follow this link.
Car insurance coverages for a Dodge Nitro
Having a good grasp of insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.
Liability car insurance – Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/10 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $10,000 of coverage for damaged property.
Liability coverage protects against claims like loss of income, bail bonds and structural damage. How much coverage you buy is a personal decision, but consider buying as much as you can afford. Wisconsin requires minimum liability limits of 25/50/10 but you should consider buying more liability than the minimum.
The illustration below demonstrates why low liability limits may not be high enough to cover claims.
Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as chiropractic care, rehabilitation expenses, funeral costs, EMT expenses and surgery. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision – This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from getting keyed and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Dodge Nitro.
Since many Wisconsin drivers carry very low liability coverage limits (25/50/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Collision coverage – This pays for damage to your Nitro resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like sustaining damage from a pot hole, driving through your garage door, rolling your car, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible on your Nitro to get cheaper collision coverage.
How to find a good Wisconsin auto insurance company
Picking the right insurance provider is difficult considering how many companies there are to choose from in Wisconsin. The company rank data displayed below may help you pick which car insurance providers to look at when shopping around.
Top 10 Madison 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%
Don’t give up on cheap rates
As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to discover later that it was a big error on their part. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.
Cost effective Dodge Nitro insurance can be found both online and from local agencies, and you need to price shop both to get a complete price analysis. Some insurance providers may not provide online quoting and these smaller companies only sell coverage through independent agencies.
For more information, feel free to visit the following helpful articles:
- Booster Seat Ratings (iihs.org)
- What Auto Insurance is Cheapest in Madison, Wisconsin? (FAQ)
- Who Has the Cheapest Madison Car Insurance for Drivers Under 21? (FAQ)
- How Much is Madison Auto Insurance for Low Income Drivers? (FAQ)
- Auto Insurance Learning Center (State Farm)
- Tread Depth and Tire Safety (State Farm)