Car Insurance Quotes for a Dodge Nitro in Seattle

No car owner likes having to buy car insurance, in particular when they are paying too much.

Insurance for Dodge NitroA study showed that the vast majority of consumers in Washington renewed their policy with the same company for more than four years, and practically 40% of car insurance customers have never quoted rates to find affordable coverage. With the average car insurance premium being $1,847, American drivers could save 46.5% every year by just shopping around, but they don’t want to spend time to do a rate comparison.

Companies like State Farm and GEICO all claim big savings with fancy advertisements and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

You should make it a habit to compare rates quite often due to the fact that insurance prices are variable and change quite frequently. Just because you had the best deal on Dodge Nitro insurance in Seattle a few years ago other companies may now be cheaper. You can find a lot of information about Nitro insurance out there, but you can learn some of the best techniques to reduce your car insurance bill.

If you have coverage now, you will definitely be able to save money using these tips. Finding the cheapest coverage in Seattle is really not that difficult. But Washington car owners benefit from understanding the methods companies use to determine premium rates and use it to your advantage.

When comparing auto insurance rates, know that comparing more prices will improve the odds of getting more affordable rates. Some insurance companies are not set up to provide online rate quotes, so you should also compare prices from them as well.

The companies shown below are ready to provide price comparisons in Washington. If the list has multiple companies, we suggest you visit as many as you can in order to get a fair rate comparison.

Dodge Nitro Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $122 $198 $334 $20 $100 $774 $65
Nitro SE 2WD $118 $224 $434 $26 $130 $932 $78
Nitro SE 4WD $160 $262 $376 $22 $112 $932 $78
Nitro SXT 2WD $196 $310 $376 $22 $112 $1,016 $85
Nitro Heat 4WD $136 $224 $434 $26 $130 $950 $79
Nitro Detonator 2WD $122 $236 $376 $22 $112 $868 $72
Nitro SXT 4WD $180 $304 $340 $20 $102 $946 $79
Nitro Shock 2WD $122 $236 $350 $20 $104 $832 $69
Nitro Detonator 4WD $110 $206 $320 $18 $96 $750 $63
Nitro Shock 4WD $180 $304 $376 $22 $112 $994 $83
Get Your Own Custom Quote Go

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Estimates do not factor in specific location information which can influence auto insurance rates significantly.

Policy deductibles

The chart below demonstrates how deductible levels and can raise or lower Dodge Nitro insurance costs for different age categories. The premiums assume a married male driver, comp and collision included, and no policy discounts are applied.

Rate comparison for different deductibles

When buying car insurance, a common question is what deductibles to buy. The rates shown below may help you to understand the rate differences when you select higher and lower physical damage deductibles. The first data set uses a $250 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Dodge Nitro insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $198 $316 $334 $20 $100 $993 $83
Nitro SE 2WD $198 $316 $334 $20 $100 $993 $83
Nitro SE 4WD $228 $316 $334 $20 $100 $1,023 $85
Nitro SXT 2WD $228 $316 $334 $20 $100 $1,023 $85
Nitro Heat 4WD $228 $316 $334 $20 $100 $1,023 $85
Nitro Detonator 2WD $228 $384 $334 $20 $100 $1,091 $91
Nitro SXT 4WD $228 $384 $334 $20 $100 $1,091 $91
Nitro Shock 2WD $228 $384 $334 $20 $100 $1,091 $91
Nitro Detonator 4WD $228 $384 $334 $20 $100 $1,091 $91
Nitro Shock 4WD $258 $384 $334 $20 $100 $1,121 $93
Get Your Own Custom Quote Go

Dodge Nitro insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $122 $198 $334 $20 $100 $774 $65
Nitro SE 2WD $122 $198 $334 $20 $100 $774 $65
Nitro SE 4WD $140 $198 $334 $20 $100 $792 $66
Nitro SXT 2WD $140 $198 $334 $20 $100 $792 $66
Nitro Heat 4WD $140 $198 $334 $20 $100 $792 $66
Nitro Detonator 2WD $140 $242 $334 $20 $100 $836 $70
Nitro SXT 4WD $140 $242 $334 $20 $100 $836 $70
Nitro Shock 2WD $140 $242 $334 $20 $100 $836 $70
Nitro Detonator 4WD $140 $242 $334 $20 $100 $836 $70
Nitro Shock 4WD $158 $242 $334 $20 $100 $854 $71
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in vehicle garaging location which can revise prices significantly.

We can estimate from the data above that using a $250 deductible costs an average of $20 more each month or $240 every year than quoting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 38 months between claim filings, you would save more money going with the higher deductible.

Protect your vehicle and other assets

Despite the high cost of buying insurance for a Dodge Nitro in Seattle, insurance may not be optional for several reasons.

The benefits of having insurance more than offset the price you pay, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is overpaying more than $750 every year so you should quote your policy with other companies at least once a year to ensure rates are competitive.

Get Cheap Insurance Premiums by Understanding These Factors

Lots of factors are taken into consideration when you get a price on insurance. Some are obvious such as traffic violations, but other factors are not as apparent like your continuous coverage and annual miles driven.

Cheaper Seattle car insurance quotes with discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts to reduce the price significantly. Many discounts should be triggered when you get a quote, but occasionally some discounts must be asked about before you will receive the discount.Cheaper car insurance with discounts

A little note about advertised discounts, most discount credits are not given to the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.

A list of car insurance companies and a selection of discounts are outlined below.

If you are trying to find inexpensive Seattle car insurance quotes, ask every company to give you their best rates. Savings may not be available everywhere.

Independent and exclusive insurance agents

Some consumers would rather get professional advice from a licensed agent and doing that can be a smart decision The biggest benefit of getting online price quotes is you can get the lowest rates but still work with a licensed agent. And buying from neighborhood insurance agencies is important especially in Seattle.

Seattle insurance agentsTo find an agent, once you fill out this simple form, the coverage information is sent to agents in your area who will return price quotes for your insurance coverage. You won’t even need to contact any insurance agencies due to the fact that quote results will go straight to your inbox. You’ll get the best rates and a licensed agent to talk to. If you have a need to quote rates from a specific company, you can always find their quoting web page and fill out their quote form.

If you are wanting to purchase insurance from a good insurance agency, you must know there are a couple types of agencies and how they function. Insurance agencies in Seattle are classified as either independent agents or exclusive agents depending on their employer.

Independent Insurance Agents

Agents that elect to be independent often have many company appointments so as a result can place your coverage with an assortment of companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you stay with the same agent.

If you need lower rates, we highly recommend that you include price quotes from a few independent agents for maximum quote selection.

Listed below are Seattle independent agents who may be able to give you pricing information.

8613 35th Ave NESeattle, WA 98115(206) 523-8660View Map

431 15th Ave ESeattle, WA 98112(206) 329-7447View Map

3424 W McGraw StSeattle, WA 98199(206) 284-4886View Map

More Seattle agents

Exclusive Insurance Agencies

Exclusive insurance agents write business for a single company such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to compare rates from other companies so they really need to provide good service. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage.

The following is a short list of exclusive agents in Seattle willing to provide price quote information.

1530 Westlake Ave N Suite 100Seattle, WA 98109(206) 971-5400View Map

Lucho Singh – State Farm Insurance Agent
1420 Harvard AveSeattle, WA 98122(206) 329-4450View Map

900 S Jackson St #213Seattle, WA 98104(206) 381-3733View Map

More Seattle agents

Deciding on an insurance agent needs to be determined by more than just a cheap price. These questions are important to ask:

Quote more to save more

Cheap Dodge Nitro insurance in Seattle is definitely available both online in addition to many Seattle insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide rates over the internet and many times these regional insurance providers provide coverage only through local independent agencies.

When searching for affordable Dodge Nitro insurance quotes, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

We covered some good ideas how you can shop for Dodge Nitro insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. Consumers could even find that the best premium rates are with a small mutual company. Regional companies can often provide lower prices in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

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