Best Insurance for a Dodge Nitro in Long Beach

Would you like to stop wasting money and find low-cost Dodge Nitro insurance in Long Beach? Car insurance shoppers not familiar with shopping for auto insurance online may discover sourcing cheap Nitro insurance is very challenging.

We don’t have to tell you that car insurance companies want to keep you from comparing prices. Consumers who shop around for cheaper prices will presumably move their business because they have good chances of finding good coverage at a lower price. A study showed that consumers who make a habit of shopping around saved $850 each year compared to people who don’t make a habit of comparing rates.

If finding the lowest rates on Dodge Nitro insurance is your ultimate goal, then having a grasp of the best way to quote and compare coverages can help you succeed in finding affordable rates.

It’s a good idea to take a look at other company’s rates before your policy renews since prices are usually higher with each renewal. Just because you found the best deal on Dodge Nitro insurance in Long Beach on your last policy you can probably find a better rate now. There are lots of tips to save on Nitro insurance on the internet, but I’m going to show you some good information on how to put money back in your pocket.

If you have insurance now, you will surely be able to get lower rates using these methods. These tips will instruct you on how insurance works. Nevertheless, California consumers can benefit from knowing how the larger insurance companies market on the web and use it to find better rates.

All major car insurance companies such as Allstate, GEICO and Progressive make it easy to get insurance quotes online. Comparing prices online for Dodge Nitro insurance in Long Beach can be done by anyone as you just enter your coverage preferences on the page. When complete, their system will order your driving and credit reports and generates pricing information based on these and other factors.

Being able to quote online for Dodge Nitro insurance in Long Beach simplifies rate comparisons, and it is imperative to do this if you are searching for the best rate on car insurance.

In order to compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it’s recommended you type in your coverages exactly as they are listed on your policy. This helps ensure you are getting rate quotes based on the exact same insurance coverage.

The car insurance companies shown below are our best choices to provide free rate quotes in Long Beach, CA. To find the best cheap auto insurance in CA, it’s highly recommended you get rate quotes from several of them in order to get a fair rate comparison.

Analysis of Dodge Nitro rates

The rate table below outlines estimates of prices for Dodge Nitro models. Having a better understanding of how auto insurance policy rates are determined is important to be able to make smart choices when buying a policy.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific garaging location which can raise or lower insurance rates significantly.

Insurance deductibles

One common question asked by Long Beach drivers is which deductibles should you choose. The data tables below can help illustrate the rate fluctuation between high and low comp and collision deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in specific Long Beach garaging location which can affect prices substantially.

Based on this data, using a $100 deductible would cost the average driver about $41 more each month or $492 annually averaged for all Nitro models than buying the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 22 months between claims, you would most likely save money going with the higher deductible.

The chart below demonstrates how deductibles and can raise or lower Dodge Nitro insurance rates for different age categories. The data assumes a single male driver, comp and collision included, and no policy discounts are applied.

Do you need full coverage?

The diagram below shows the difference between Dodge Nitro insurance rates when comparing full coverage to state minimum liability only. The price estimates are based on no accidents or driving violations, $250 deductibles, single marital status, and no discounts are factored in.

When to stop buying physical damage coverage

There is no set rule to stop buying physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Dodge Nitro settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after the policy deductible has been paid. If you are paying over $800 a year for full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not opt for liability only.

Lower Insurance Rates with These Tips

Many things are taken into consideration when you get your auto insurance bill. Some are obvious like a motor vehicle report, although some other factors are not quite as obvious such as your credit history or your vehicle rating. The best way to find cheaper auto insurance is to take a look at some of the things that come into play when calculating your policy premiums. If you know what controls the rates you pay, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.

The list below includes just a few of the factors used by your company to calculate prices.

• Pay more of a claim out-of-pocket – Comp and collision deductibles are the amount of money you are willing to pay if a covered claim is submitted. Physical damage protection, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are colliding with a stationary object, hail damage, and damage caused by road hazards. The more damage repair cost you are required to pay out-of-pocket, the less money you will pay for auto insurance.
• Vehicles with better crash test results save money – Vehicles with good safety scores tend to have lower insurance rates. These vehicles protect occupants better and lower rates of occupant injuries means your insurance company pays less and thus lower rates. If the Dodge Nitro scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

• Battle of the sexes – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. Both genders have accidents in similar numbers, but males cause more damage. In addition to higher claims, males also get higher numbers of serious violations like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.

  The example below visualizes the comparison of Dodge Nitro insurance costs for male and female drivers. The data is based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

• Insurance costs and vehicle performance – The make and model of the car you need to insure makes a huge difference in your premium level. Smaller low performance passenger vehicles generally have the cheapest insurance rates, but your final cost has many other factors.

  The data below uses these variables: single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. The data compares Dodge Nitro car insurance rates compared to other vehicles that have a range of performance risks.

Choosing the best vehicle insurance in California is an important decision

Despite the high insurance cost for a Dodge Nitro in Long Beach, paying for auto insurance may not be optional for several reasons.

• Just about all states have minimum liability requirements which means the state requires a minimum amount of liability insurance coverage in order to be legal. 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.
• If you have a loan on your vehicle, more than likely the lender will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Dodge at a more expensive rate and require you to pay the higher premium.
• Insurance protects both your Dodge and your assets. It will also reimburse you for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney if you cause an accident and are sued. If your Dodge gets damaged, your auto insurance policy will pay to have it repaired.

The benefits of having insurance are definitely more than the cost, especially for larger claims. According to a 2015 survey, the average American driver overpays as much as $810 a year so you should quote rates every year to make sure the price is not too high.

Long Beach auto insurance company ratings

Ending up with a highly-rated company is difficult considering how many companies provide coverage in California. The ranking information shown next can help you pick which providers you want to consider to insure your vehicles.

Top 10 Long Beach Car Insurance Companies Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%