If you want to find the absolute lowest rates, then the best way to get discount auto insurance rates in Columbus is to regularly compare price quotes from insurers in Ohio. Prices can be compared by completing these steps.
Step 1: Try to learn a little about coverages and the measures you can take to prevent expensive coverage. Many rating factors that cause high rates such as speeding tickets, careless driving and a bad credit score can be controlled by improving your driving habits or financial responsibility. Continue reading for information to help reduce premium rates and find additional discounts you may qualify for.
Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes for many different companies.
Step 3: Compare the new rates to your existing policy to see if cheaper Nitro coverage is available in Columbus. If you can save money and buy the policy, make sure coverage does not lapse between policies.
One thing to point out is to try to compare identical limits and deductibles on every quote and and to get rate quotes from as many companies as you can. This enables a fair rate comparison and a complete price analysis.
Everyone knows that auto insurance companies don’t want you shop around. Drivers who compare price quotes are highly likely to buy a different policy because there is a good chance of finding a lower-priced company. A recent car insurance study discovered that consumers who did price comparisons regularly saved about $3,400 over four years compared to other drivers who never compared rates.
If finding the lowest price on Dodge Nitro insurance in Columbus is your ultimate objective, then having a grasp of how to get free comparison quotes and analyze cheaper coverage can make it easier to find better rates.
Buying the cheapest car insurance in Columbus seems hard but is not really that difficult. If you have coverage now or just want a better rate, take advantage of these tips to get lower rates without reducing protection. Smart buyers just need to use how to compare price quotes online from multiple companies.
How to buy Columbus Dodge Nitro insurance online
The following companies can provide quotes in Ohio. If several companies are displayed, we suggest you visit as many as you can in order to find the cheapest rates.
Rate information and statistics
The rate table displayed next covers different coverage costs for Dodge Nitro models. Having a good grasp of how insurance prices are figured can be of help when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $164 | $328 | $334 | $20 | $100 | $946 | $79 |
| Nitro SE 2WD | $164 | $328 | $334 | $20 | $100 | $946 | $79 |
| Nitro SE 4WD | $188 | $328 | $334 | $20 | $100 | $970 | $81 |
| Nitro SXT 2WD | $188 | $328 | $334 | $20 | $100 | $970 | $81 |
| Nitro Heat 4WD | $188 | $328 | $334 | $20 | $100 | $970 | $81 |
| Nitro Detonator 2WD | $188 | $398 | $334 | $20 | $100 | $1,040 | $87 |
| Nitro SXT 4WD | $188 | $398 | $334 | $20 | $100 | $1,040 | $87 |
| Nitro Shock 2WD | $188 | $398 | $334 | $20 | $100 | $1,040 | $87 |
| Nitro Detonator 4WD | $188 | $398 | $334 | $20 | $100 | $1,040 | $87 |
| Nitro Shock 4WD | $212 | $398 | $334 | $20 | $100 | $1,064 | $89 |
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in specific garaging location which can modify price quotes considerably.
The illustration below shows how different deductible levels and can increase or decrease Dodge Nitro insurance prices for different age groups. The data is based on a single female driver, full coverage, and no policy discounts are applied.
Car insurance cost for men versus women in Columbus
The information below illustrates the comparison of Dodge Nitro insurance costs for male and female drivers. The premiums are based on no claims or driving citations, comprehensive and collision coverage, $500 deductibles, single marital status, and no policy discounts are applied.
Cost comparison with and without full coverage
The diagram below visualizes the comparison of Dodge Nitro insurance rates with full coverage compared to only the Ohio minimum liability coverage. The costs are based on no claims or violations, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.
When to eliminate full coverage
There is no specific rule that is best for determining when to drop comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Dodge Nitro replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after paying your deductible. If it’s costing in excess of $600 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some situations where eliminating full coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
Dodge Nitro Insurance Premiums Can Be Reduced
A large part of saving on car insurance is knowing the rating factors that come into play when calculating the price you pay for car insurance. When consumers understand what impacts premium levels, this enables informed choices that can earn you much lower annual insurance costs. Lots of factors are part of the equation when you get a price on insurance. Some are obvious such as traffic violations, but other factors are less obvious such as your credit history or your commute time.
The itemized list below are a few of the things that factor into your premiums.
Insure car and home with the same company – Most larger insurance companies provide lower prices to buyers that purchase more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, it’s still a good idea to compare other company rates to help guarantee you have the best rates.
Annual miles is a factor – The more miles you rack up on your Dodge each year the more you will pay for car insurance. Almost all companies calculate rates determined by how the vehicle is used. Autos that do not get driven very much qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy is showing the correct usage for each vehicle, because it can save money. Having an incorrect usage rating on your Nitro may be wasting your money.
Discounts for married couples – Having a wife or husband helps lower the price when shopping for car insurance. Marriage is viewed as being more mature and statistics show married drivers tend to have fewer serious accidents.
Liability coverage is peace of mind – Your car insurance policy’s liability coverage provides coverage if ever you are determined to be liable for damages from an accident. Your policy’s liability insurance provides legal defense which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Use credit responsibly and save – Your credit score is a large factor in determining premium rates. Therefore, if your credit history can be improved, you may save money insuring your Dodge Nitro by spending a little time repairing your credit. Insureds with very good credit scores tend to be better risks to insure than those with poor credit.
Higher physical damage deductibles are cheaper – Physical damage deductibles represent how much money the insured will be required to pay before a claim is paid by your company. Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your car. A few examples of covered claims are collision with another vehicle, damage from fire, and having a roll-over accident. The more you’re willing to pay, the less your company will charge you for insurance.
Choosing the best Dodge vehicle insurance in Ohio is an important decision
Despite the high cost of buying insurance for a Dodge Nitro in Columbus, insuring your vehicle is required in Ohio but it also protects you in many ways.
First, most states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability if you drive a vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a lien on your vehicle, it’s guaranteed your bank will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If the policy lapses, the bank may buy a policy for your Dodge at an extremely high rate and require you to fork over much more than you were paying before.
Third, car insurance protects both your vehicle and your assets. Insurance will also pay for most medical and hospital costs that are the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you have damage to your Dodge as the result of the weather or an accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of insuring your car are without a doubt worth the cost, especially with large liability claims. According to a 2015 survey, the average American driver overpays more than $700 annually so it’s very important to do a rate comparison once a year at a minimum to save money.