Affordable Quotes for Dodge Nitro Insurance in Boston

The easiest way to get more affordable auto insurance rates is to regularly compare price quotes from companies who can sell car insurance in Boston. Rates can be compared by following these guidelines.

Step 1: Read and learn about policy coverages and the things you can control to prevent expensive coverage. Many factors that result in higher prices such as speeding tickets, accidents and a low credit score can be amended by making minor driving habit or lifestyle changes.

Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can provide price quotes for many different companies.

Step 3: Compare the new quotes to your existing policy to see if cheaper Nitro coverage is available. If you find a lower rate quote, ensure there is no coverage lapse between policies.

Step 4: Notify your current company of your intent to cancel your current policy and submit a down payment along with a signed application to the new company. As soon as you receive it, place your new certificate verifying coverage above your visor, in the console, or in the glove compartment.

One bit of advice is that you’ll want to make sure you compare identical deductibles and limits on each quote request and and to get price estimates from every company you can. Doing this ensures a level playing field and maximum price selection.

Remarkably, a study showed that nearly 70% of drivers have stayed with the same insurance company for a minimum of four years, and approximately 40% of consumers have never even compared rates from other companies. Consumers in Boston can save hundreds of dollars each year by just comparing quotes, but they don’t want to spend time to find lower-cost rates by getting comparison quotes.

If you are paying for car insurance now, you will surely be able to find the best rates using these techniques. Quoting cheaper car insurance policy in Boston is not as hard as you may think. But Massachusetts consumers do need to know how big insurance companies compete online and use it to your advantage.

Lower-cost Dodge Nitro insurance quotes in Boston

Some insurers don’t necessarily list the entire discount list very clearly, so the next list breaks down a few of the more well known and the harder-to-find discounts that may be available.

• Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
• Government Employees – Active or former government employment could provide a small rate reduction depending on your company.
• Onboard Data Collection – Drivers that enable their insurance company to scrutinize where and when they drive by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they have good driving habits.
• Auto/Home Discount – If you combine your home and auto policies with one company you may save approximately 10% to 15%.
• Anti-theft System – Cars with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may get savings of 20% or more.

It’s important to understand that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like you could get a free car insurance policy, it’s just not the way it works.

The information below illustrates the difference between Dodge Nitro insurance prices with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no violations or claims, Massachusetts state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, claim-free, safe-driver, and multi-policy discounts applied.

A few companies that may offer these benefits include:

• State Farm
• Farmers Insurance
• GEICO
• American Family
• Nationwide
• Progressive

When getting a coverage quote, ask each company or agent how you can save money. Discounts might not apply in your area.

The method we recommend to get policy rate comparisons for Dodge Nitro insurance in Boston is to understand most larger insurance companies provide online access to provide you with a free rate quote. All consumers are required to do is give them rating details including types of safety features, if the vehicle is leased, the make and model of your vehicles, and what your job is. The data is then submitted to insurance carriers in your area and you will get price comparisons instantly to find the best rate.

To compare affordable Dodge Nitro insurance rates now, click here and complete the quick form.

The companies shown below offer price quotes in Boston, MA. If you want cheap auto insurance in Boston, it’s a good idea that you visit as many as you can to find the lowest car insurance rates.

Dodge Nitro coverage statistics

The coverage information shown below highlights estimates of insurance rates for Dodge Nitro models. Learning more about how car insurance prices are established is important to be able to make decisions when shopping around.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Prices do not factor in specific garaging location which can raise or lower auto insurance rates greatly.

Policy deductible comparison

One of the most common insurance questions is how high should your deductibles be. The following tables can help you visualize the difference in cost between low and high deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in specific zip code location which can decrease or increase insurance rates considerably.

Based on these figures, using a $250 deductible costs approximately $12 more each month or $144 each year across all Dodge Nitro models than selecting the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 21 months between claims, you would probably be better off by selecting a higher deductible. Here’s a better example of how this determination is made.

An important sidenote is that increasing deductibles to save money means you pay more out-of-pocket when you have to file a claim. That will require some extra funds in order to pay the deductible for vehicle repair.

The chart below shows how choosing a deductible and can impact Dodge Nitro insurance premiums for different age groups. The premiums assume a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Age, gender, and Dodge Nitro insurance

The diagram below shows the difference between Dodge Nitro auto insurance rates for male and female drivers. The information is based on no accidents or driving violations, full coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

Are car insurance agents of importance?

Many people would rather sit down and talk to an agent and doing so can bring peace of mind The best thing about getting online price quotes is that you can find cheap rate quotes and also buy local.

To make it easy to find an agent, after completing this quick form, the quote information is submitted to insurance agents in Boston who want to provide quotes for your coverage. It makes it easy because there is no need to drive around since price quotes are sent instantly to you. You can find lower rates and a licensed agent to work with. If you need to get a price quote from a specific insurance company, you would need to visit that company’s website and submit a quote form there.

Deciding on an company requires you to look at more than just the bottom line cost. These questions are important to ask:

• Is there a Errors and Omissions policy in force?
• Does the agent recommend any additional coverage?
• Will they make sure you get an adequate claim settlement?
• If your car is in the repair shop, do you have coverage for a rental car?
• Are they able to provide referrals?
• Are there any discounts for paying up front?

When finding a reliable agent, it helps to know the two different types of agents that you can select. Agencies in Boston can be classified as either independent (non-exclusive) or exclusive.

Exclusive Insurance Agents

Exclusive insurance agents can only write with one company and examples are American Family, State Farm, and Allstate. Exclusive agents cannot provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. These agents are trained well on sales techniques which helps them compete with independent agents. Many people choose to use a exclusive agent mostly because of the brand rather than low price.

Listed below are Boston exclusive agents that are able to give price quote information.

• AAA Boston
  125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
• Allstate Insurance: Abner Joseph
  571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map

View more agents

Independent Agents

These agents are not locked into one company and that is an advantage because they can write policies with lots of companies and possibly get better coverage at lower prices. If they find a cheaper price, the business is moved internally and you don’t have to do anything. If you need cheaper car insurance rates, you will want to get quotes from several independent insurance agents for maximum quote selection. Most independent agents also contract with companies that do not advertise much which may have better rates.

Below are independent agencies in Boston that can give you rate quotes.

• Paul Lymneos Insurance Agency
  4258 Washington St Suite 8 – Roslindale, MA 02131 – (617) 327-3870 – View Map
• Lighthouse Insurance Agency
  470 W Broadway – Boston, MA 02127 – (617) 464-3777 – View Map
• Massamont Insurance Agency Inc
  280 Summer St – Boston, MA 02210 – (617) 478-5205 – View Map

View more agents

If you receive positive feedback to these questions and an acceptable price quote, you’ve probably found a car insurance agent that is a good match to service your policy. Just remember you have the power to terminate your policy for any reason so never feel that you’re stuck with a specific agent indefinitely.

Lower rates by being persistent

Insureds switch companies for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, questionable increases in premium and even not issuing a premium refund. Regardless of your reason, choosing a new company is less work than it seems.

In this article, we presented some good ideas how to compare Dodge Nitro insurance prices in Boston. It’s most important to understand that the more companies you get rates for, the higher your chance of finding inexpensive Boston car insurance quotes. Consumers could even find that the lowest prices are with a small mutual company.

As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where someone dropped comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Additional information

• Uninsured Motorist Statistics (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance for a Kia Optima in Boston? (FAQ)
• Who Has Affordable Auto Insurance for Used Cars in Boston? (FAQ)
• Preventing Carjacking and Theft (Insurance Information Institute)
• Auto Insurance FAQ (Farmers Insurance)
• Auto Insurance Basics (Insurance Information Institute)
• Prom Night Tips for Teen Drivers (State Farm)