Dodge Nitro Insurance Rate Quotes in Jacksonville

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Discount Dodge Nitro insuranceLooking for cheaper Dodge Nitro insurance in Jacksonville? Searching for the cheapest insurance for a Dodge Nitro in Florida can normally be an all-consuming task, but you can use our auto insurance buying tips and make it easy. There is a better way to buy auto insurance so we're going to tell you the best way to price shop coverage for your Dodge and obtain the lowest price from Jacksonville insurance agents and online providers.

You should take the time to compare rates before your policy renews because insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates on Dodge Nitro insurance in Jacksonville a year ago there is a good chance you can find better rate quotes now. There is lot of inaccurate information about Nitro insurance online but in just a couple of minutes you can learn the best ways to lower your auto insurance rates in Jacksonville.

If you already have coverage or just want to reduce your rates, you can use these techniques to reduce the price you pay while maintaining coverages. Quoting the cheapest policy in Jacksonville is simple if you know the tricks. Vehicle owners just have to use the least time-consuming way to shop their coverage around online.

The car insurance companies shown below have been selected to offer comparison quotes in Florida. If multiple companies are listed, we recommend you compare several of them to get a more complete price comparison.

Rates and statistics

The coverage table displayed next outlines different insurance rates for Dodge Nitro models. Having a better idea how insurance premiums are calculated can be useful when making informed decisions when shopping around for a new policy.

Dodge Nitro Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $312 $550 $636 $38 $190 $1,726 $144
Nitro SE 2WD $312 $550 $636 $38 $190 $1,726 $144
Nitro SE 4WD $358 $550 $636 $38 $190 $1,772 $148
Nitro SXT 2WD $358 $550 $636 $38 $190 $1,772 $148
Nitro Heat 4WD $358 $550 $636 $38 $190 $1,772 $148
Nitro Detonator 2WD $358 $668 $636 $38 $190 $1,890 $158
Nitro SXT 4WD $358 $668 $636 $38 $190 $1,890 $158
Nitro Shock 2WD $358 $668 $636 $38 $190 $1,890 $158
Nitro Detonator 4WD $358 $668 $636 $38 $190 $1,890 $158
Nitro Shock 4WD $404 $668 $636 $38 $190 $1,936 $161
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in specific location information which can increase or decrease coverage rates considerably.

How high should deductibles be?

One of the most common auto insurance questions is at what level do you set your deductibles. The comparisons below show the differences in premium rates when you choose different comp and collision deductibles. The first set of prices uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

Dodge Nitro insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $280 $446 $472 $28 $142 $1,393 $116
Nitro SE 2WD $280 $446 $472 $28 $142 $1,393 $116
Nitro SE 4WD $322 $446 $472 $28 $142 $1,435 $120
Nitro SXT 2WD $322 $446 $472 $28 $142 $1,435 $120
Nitro Heat 4WD $322 $446 $472 $28 $142 $1,435 $120
Nitro Detonator 2WD $322 $544 $472 $28 $142 $1,533 $128
Nitro SXT 4WD $322 $544 $472 $28 $142 $1,533 $128
Nitro Shock 2WD $322 $544 $472 $28 $142 $1,533 $128
Nitro Detonator 4WD $322 $544 $472 $28 $142 $1,533 $128
Nitro Shock 4WD $364 $544 $472 $28 $142 $1,575 $131
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Dodge Nitro insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $174 $280 $472 $28 $142 $1,096 $91
Nitro SE 2WD $174 $280 $472 $28 $142 $1,096 $91
Nitro SE 4WD $200 $280 $472 $28 $142 $1,122 $94
Nitro SXT 2WD $200 $280 $472 $28 $142 $1,122 $94
Nitro Heat 4WD $200 $280 $472 $28 $142 $1,122 $94
Nitro Detonator 2WD $200 $342 $472 $28 $142 $1,184 $99
Nitro SXT 4WD $200 $342 $472 $28 $142 $1,184 $99
Nitro Shock 2WD $200 $342 $472 $28 $142 $1,184 $99
Nitro Detonator 4WD $200 $342 $472 $28 $142 $1,184 $99
Nitro Shock 4WD $224 $342 $472 $28 $142 $1,208 $101
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in vehicle location which can influence premiums considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you approximately $28 more each month or $336 annually averaged for all Nitro models than requesting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 27 months between claims, you would probably be better off if you decide on a higher deductible.

The diagram below shows how choosing a deductible and can increase or decrease Dodge Nitro insurance costs for different categories of driver ages. The data is based on a single female driver, comp and collision included, and no other discounts are factored in.

Full coverage versus liability-only in Jacksonville

The illustration below illustrates the difference between Dodge Nitro annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on a clean driving record, no claims, $100 deductibles, single marital status, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There is no exact rule for dropping full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's say your Dodge Nitro replacement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after you pay the deductible. If it's costing you more than $700 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some situations where buying only liability insurance is not in your best interest. If you haven't satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should maintain full coverage.

Local insurance agents

Many drivers still prefer to talk to an insurance agent and that can be a smart move Licensed agents will help you protect your assets and help file insurance claims. A good thing about getting free rate quotes online is you can get lower rates but also keep your business local.

To help locate an agent, after submitting this form (opens in new window), your coverage information is emailed to agents in your area that provide free Jacksonville auto insurance quotes for your business. You won't even need to do any legwork because quoted prices will be sent directly to you. In the event you want to compare rates for a specific company, don't hesitate to find their quoting web page to submit a rate quote request.

Picking the best provider is decision based upon more than just a low price. Here are some questions you might want to ask.

  • Which companies do they recommend if they are an independent agency?
  • Do you need full coverage on every vehicle?
  • Who is covered by the car insurance policy?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they specialize in personal lines coverage in Jacksonville?
  • Can they help ensure a fair claim settlement?