Compare Dodge Nitro Insurance Quotes in Philadelphia

Overpriced Dodge Nitro insurance in Philadelphia can draw down your funds and force you to tighten up your finances.

Insurance rates Dodge Nitro in PhiladelphiaIt’s well known that car insurance companies want to keep you from shopping around. Consumers who shop around for cheaper prices are very likely to switch to a new company because there is a significant possibility of finding better rates. A study discovered that consumers who routinely shopped for cheaper coverage saved on average $72 a month compared to other drivers who didn’t regularly shop around.

If finding the cheapest rates on Dodge Nitro insurance in Philadelphia is your target objective, then having an understanding of how to quote prices and compare coverage rates can make it easier for you to save money.

You have so many car insurance companies to buy insurance from, and even though it’s nice to be able to choose, so many choices can make it hard to find a good deal for Dodge Nitro insurance in Philadelphia.

It is always a good idea to quote other rates as often as possible because rates go up and down regularly. Despite the fact that you may have had the best premium rates on Dodge Nitro insurance in Philadelphia a couple years back you can probably find a lower rate today. There are a lot of ways to save on Nitro insurance out there, but I’m going to show you a lot of great tips on how to stop overpaying for insurance in Philadelphia.

How to lower your Dodge Nitro insurance cost in Philadelphia, Pennsylvania

When shopping for affordable Philadelphia car insurance quotes, there are a couple of ways to compare rate quotes from car insurance companies in your area. By far the easiest way to find the lowest Dodge Nitro rates is simply to get online rate quotes.

Comparison shopping price quotes online is easy and it takes the place of having to go to different Philadelphia agent offices. Quoting Dodge Nitro insurance online has made agencies unnecessary unless you want the professional guidance that only a licensed agent can provide. Drivers can obtain prices from the web and have a local agent actually service the policy. It’s important to know that quoting more increases your odds of finding more affordable rates. Some regional insurers cannot provide price estimates online, so you need to compare price estimates from those companies as well.

The following companies provide free rate quotes in Pennsylvania. If multiple companies are listed, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.

Car insurance data for a Dodge Nitro

The data table shown below highlights different insurance prices for Dodge Nitro models. Having knowledge of how prices are calculated can help drivers make informed purchases.

Dodge Nitro Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $202 $324 $384 $22 $114 $1,046 $87
Nitro SE 2WD $202 $324 $384 $22 $114 $1,046 $87
Nitro SE 4WD $232 $324 $384 $22 $114 $1,076 $90
Nitro SXT 2WD $232 $324 $384 $22 $114 $1,076 $90
Nitro Heat 4WD $232 $324 $384 $22 $114 $1,076 $90
Nitro Detonator 2WD $232 $394 $384 $22 $114 $1,146 $96
Nitro SXT 4WD $232 $394 $384 $22 $114 $1,146 $96
Nitro Shock 2WD $232 $394 $384 $22 $114 $1,146 $96
Nitro Detonator 4WD $232 $394 $384 $22 $114 $1,146 $96
Nitro Shock 4WD $262 $394 $384 $22 $114 $1,176 $98
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in zip code location which can impact insurance rates substantially.

Yearly car insurance costs for men versus women

The diagram below shows the difference between Dodge Nitro yearly insurance costs for male and female drivers. Data assumes no claims or driving violations, comp and collision included, $100 deductibles, drivers are single, and no other discounts are factored in.

Three reasons to not skimp on insurance

Despite the high cost, insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.

The benefits of insuring your car are definitely more than the cost, especially with large liability claims. On average, a vehicle owner in Philadelphia is overpaying over $865 each year so we recommend shopping around at every policy renewal to ensure rates are inline.

How Your Nitro Insurance Premiums are Determined

It’s important that you understand some of the things that come into play when calculating your insurance rates. When consumers understand what determines premiums, this allows you to make educated decisions that may result in big savings. Multiple criteria are taken into consideration when pricing auto insurance. A few of the factors are predictable such as your driving record, but other criteria are not quite as obvious like your continuous coverage or your financial responsibility.

Lower-cost Dodge Nitro insurance quotes in Philadelphia

Some insurers don’t necessarily list every discount they offer very well, so the following list contains a few of the more well known and the more hidden credits available to bring down your rates.Discount car insurance

As a footnote on discounts, some of the credits will not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

The illustration below illustrates the comparison of Dodge Nitro annual premium costs with and without discounts being applied to the rates. The costs are based on a male driver, no violations or claims, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, safe-driver, homeowner, and multi-policy discounts applied.

Companies that may include most of these discounts include:

If you need lower rates, check with every company how many discounts you can get. Some discounts listed above may not apply to policyholders in your state. To see a list of car insurance companies that offer the discounts shown above in Pennsylvania, follow this link.

When should I discuss my situation with an agent?

When choosing a policy for your vehicles, there really is no one size fits all plan. Your financial needs are unique and your policy should reflect that.Safe vehicles cost less to insure
For example, these questions may help you determine whether your personal situation might need professional guidance.

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Can’t I get rate quotes from local Philadelphia car insurance agents?

A lot of people would prefer to get advice from a local agent and that can be a great decision A nice benefit of comparing rates online is the fact that you can find cheaper rates but also keep your business local. Buying insurance from local agencies is important especially in Philadelphia.

After filling out this simple form, the quote information gets sent to insurance agents in Philadelphia who will gladly provide quotes and help you find cheaper coverage. You never need to contact any insurance agencies since price quotes are sent directly to your email. You can find lower rates and a licensed agent to talk to. If for some reason you want to compare rates from a specific car insurance provider, don’t hesitate to jump over to their website and fill out their quote form.

What types of car insurance agents are in Philadelphia?

When narrowing the list to find a reputable insurance agent or broker, you should know the different types of agencies and how they differ in how they quote coverages. Agencies in Philadelphia can either be independent or exclusive.

Independent Car Insurance Agents (or Brokers)

Independent insurance agents often have many company appointments and that gives them the ability to insure through many companies and get you the best rates possible. To transfer your coverage to a different company, they simply move your policy to a different company and you stay with the same agent.

If you need cheaper car insurance rates, you absolutely need to contact independent agents to have the best price comparison.

Listed below are Philadelphia independent insurance agencies that may be able to give free car insurance quotes.

231 St Asaphs Rd #100Bala Cynwyd, PA 19004(610) 617-7900View Map

Rexach Insurance Agency
2932 N 5th StPhiladelphia, PA 19133(215) 229-6320View Map

7790 Rockwell Ave Suite 1Philadelphia, PA 19111(215) 725-6700View Map

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Exclusive Agencies

Agents of this type are contracted to one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They are unable to give you multiple price quotes so you might not find the best rates. These agents are usually well trained on what they offer and that allows them to sell at a higher price point.

Below are exclusive insurance agents in Philadelphia that are able to give comparison quotes.

254 S 10th StPhiladelphia, PA 19107(215) 238-7400View Map

2805 N 47th St, FL-1Philadelphia, PA 19131(215) 871-3390View Map

4201 I StPhiladelphia, PA 19124(215) 288-7992View Map

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Finding the right car insurance agent requires you to look at more than just a cheap price quote. These are valid questions to ask:

What is YOUR best insurance company?

In this article, we presented quite a bit of information on how to compare Dodge Nitro insurance auto insurance rates in Philadelphia. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheaper Philadelphia car insurance quotes. Consumers may even find the lowest auto insurance rates come from the least-expected company. They may only write in your state and offer lower premium rates than their larger competitors like Allstate or State Farm.

As you quote Philadelphia car insurance, do not buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced collision coverage only to regret at claim time that the small savings ended up costing them much more. Your objective should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

Additional car insurance information can be read at these links: