It takes a few minutes, but the best way to find affordable Dodge Nitro insurance in Kansas City is to start comparing prices yearly from insurance carriers in Missouri. Rates can be compared by following these steps.
First, try to comprehend how insurance companies determine prices and the things you can control to prevent expensive coverage. Many rating factors that are responsible for high rates like tickets, at-fault accidents, and poor credit history can be eliminated by improving your driving habits or financial responsibility. Keep reading for more ideas to help prevent expensive coverage and get additional discounts that may be available.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while independent agencies can provide prices for a wide range of companies.
Third, compare the new rates to the premium of your current policy to see if switching to a new carrier will save money. If you find a better price, make sure coverage is continuous and does not lapse.
The most important part of shopping around is that you’ll want to compare similar deductibles and liability limits on each price quote and to quote with as many auto insurance providers as possible. This helps ensure an apples-to-apples comparison and a thorough price selection.
Astonishing but true, the vast majority of auto insurance customers in Missouri kept buying from the same company for at least the last four years, and 38% of customers have never even compared rates from other companies. Consumers in America can save $860 each year just by comparing rates, but they don’t want to spend time to compare rates.
You may qualify for discounts for Dodge Nitro insurance in Kansas City
Car insurance can be pricey, but there could be significant discounts to reduce the price significantly. Some of these discounts will be visible when you quote, but less common discounts must be specifically requested before they will apply.
- Paperless Signup – Certain larger companies will discount your bill up to fifty bucks just for signing your application on your computer.
- Service Members Pay Less – Being deployed in the military could mean lower car insurance rates.
- Low Mileage Discounts – Low annual miles could qualify for discounted premium rates on garaged vehicles.
- Discounts for Good Drivers – Drivers without accidents may save up to 50% more than drivers with accidents.
- No Claims – Insureds who avoid accidents and claims get the best car insurance rates when compared with bad drivers.
Just know that some credits don’t apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.
The chart below compares Dodge Nitro car insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no violations or claims, Missouri state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, marriage, homeowner, and multi-car discounts applied.
A list of car insurance companies and some of the discounts include:
- State Farm may offer discounts for defensive driving training, anti-theft, Drive Safe & Save, driver’s education, multiple autos, and accident-free.
- Esurance discounts include Switch & Save, DriveSense, paid-in-full, multi-car, and renters.
- Progressive policyholders can earn discounts including homeowner, online signing, online quote discount, continuous coverage, and good student.
- Liberty Mutual offers discounts including teen driver discount, good student, new vehicle discount, new move discount, and preferred payment discount.
- Auto-Owners Insurance has discounts for mature driver, multi-policy, multiple vehicles, group or association, anti-lock brakes, anti-theft, and air bags.
- GEICO has savings for anti-lock brakes, driver training, seat belt use, federal employee, and military active duty.
It’s a good idea to ask each company which discounts you qualify for. Some of the discounts discussed earlier might not be available to policyholders in Kansas City. For a list of car insurance companies that offer many of these discounts in Missouri, click here to view.
All the larger auto insurance companies such as State Farm, Allstate and GEICO give coverage prices directly from their websites. Doing online price comparisons for Dodge Nitro insurance in Kansas City is pretty painless as you simply enter your personal and coverage information as requested by the quote form. Behind the scenes, their rating system sends out for your driving and credit reports and generates a price. Getting online quotes for Dodge Nitro insurance in Kansas City makes comparing rates easy, and it’s absolutely necessary to do this if you want to find the lowest possible payments on auto insurance.
To save time and fill out one form to compare multiple rates now, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend that you enter the insurance coverages identical to your current policy. This makes sure you will have a fair comparison for similar coverage.
The following companies can provide price quotes in Missouri. To buy the best auto insurance in Kansas City, it’s highly recommended you click on several of them to get a more complete price comparison.
Coverage statistics and figures
The coverage information below covers estimates of insurance prices for Dodge Nitro models. Understanding how car insurance prices are calculated is important for drivers to make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $194 | $334 | $308 | $18 | $92 | $946 | $79 |
| Nitro SE 2WD | $194 | $334 | $308 | $18 | $92 | $946 | $79 |
| Nitro SE 4WD | $222 | $334 | $308 | $18 | $92 | $974 | $81 |
| Nitro SXT 2WD | $222 | $334 | $308 | $18 | $92 | $974 | $81 |
| Nitro Heat 4WD | $222 | $334 | $308 | $18 | $92 | $974 | $81 |
| Nitro Detonator 2WD | $222 | $406 | $308 | $18 | $92 | $1,046 | $87 |
| Nitro SXT 4WD | $222 | $406 | $308 | $18 | $92 | $1,046 | $87 |
| Nitro Shock 2WD | $222 | $406 | $308 | $18 | $92 | $1,046 | $87 |
| Nitro Detonator 4WD | $222 | $406 | $308 | $18 | $92 | $1,046 | $87 |
| Nitro Shock 4WD | $250 | $406 | $308 | $18 | $92 | $1,074 | $90 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific garaging location which can affect premium rates significantly.
Physical damage deductibles
One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The rates shown below illustrate the rate differences between low and high insurance deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $200 | $340 | $302 | $18 | $90 | $975 | $81 |
| Nitro SE 2WD | $200 | $340 | $302 | $18 | $90 | $975 | $81 |
| Nitro SE 4WD | $230 | $340 | $302 | $18 | $90 | $1,005 | $84 |
| Nitro SXT 2WD | $230 | $340 | $302 | $18 | $90 | $1,005 | $84 |
| Nitro Heat 4WD | $230 | $340 | $302 | $18 | $90 | $1,005 | $84 |
| Nitro Detonator 2WD | $230 | $414 | $302 | $18 | $90 | $1,079 | $90 |
| Nitro SXT 4WD | $230 | $414 | $302 | $18 | $90 | $1,079 | $90 |
| Nitro Shock 2WD | $230 | $414 | $302 | $18 | $90 | $1,079 | $90 |
| Nitro Detonator 4WD | $230 | $414 | $302 | $18 | $90 | $1,079 | $90 |
| Nitro Shock 4WD | $258 | $414 | $302 | $18 | $90 | $1,107 | $92 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $110 | $180 | $302 | $18 | $90 | $700 | $58 |
| Nitro SE 2WD | $110 | $180 | $302 | $18 | $90 | $700 | $58 |
| Nitro SE 4WD | $128 | $180 | $302 | $18 | $90 | $718 | $60 |
| Nitro SXT 2WD | $128 | $180 | $302 | $18 | $90 | $718 | $60 |
| Nitro Heat 4WD | $128 | $180 | $302 | $18 | $90 | $718 | $60 |
| Nitro Detonator 2WD | $128 | $218 | $302 | $18 | $90 | $756 | $63 |
| Nitro SXT 4WD | $128 | $218 | $302 | $18 | $90 | $756 | $63 |
| Nitro Shock 2WD | $128 | $218 | $302 | $18 | $90 | $756 | $63 |
| Nitro Detonator 4WD | $128 | $218 | $302 | $18 | $90 | $756 | $63 |
| Nitro Shock 4WD | $144 | $218 | $302 | $18 | $90 | $772 | $64 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Prices do not factor in garaging location in Kansas City which can raise or lower price quotes greatly.
Using the premium rates above, we can conclude that using a $100 deductible costs about $26 more each month or $312 annually than quoting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 35 months between claim filings, you would probably be better off going with the higher deductible. Below is a better example of how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $87 |
| Average monthly premium for $1,000 deductibles (subtract): | – $61 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 35 months |
The chart below demonstrates how deductible levels and can affect Dodge Nitro insurance prices for different age groups. Data assumes a single male driver, full coverage, and no policy discounts are applied.
Safe drivers Kansas City pay cheaper rates
The illustration below illustrates how speeding tickets and at-fault fender-benders can impact Dodge Nitro annual premium costs for each age group. The data is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
What Affects Dodge Nitro Insurance Rates?
Multiple criteria are used when pricing auto insurance. Some factors are common sense like an MVR report, although some other factors are not as apparent such as your credit history or your financial responsibility. A large part of saving on car insurance is knowing some of the elements that help determine car insurance rates. If you understand what determines base rates, this allows you to make educated decisions that will entitle you to better car insurance rates.
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Youthful drivers pay higher rates – Older people are shown to be more cautious, statistically cause fewer accidents, and tend to be get fewer driving tickets. Inexperience drivers are statistically proven to be more careless behind the wheel so they pay higher car insurance rates.
The next chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Higher coverage deductibles reduce rates – Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your Dodge. Some examples of covered claims would be a windshield shattered by a rock, hitting a deer, and damage from a fallen tree branch. Physical damage deductibles are the amount of money the insured will be required to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the lower your rates will be.
- Save money by eliminating extra coverages – Insurance policies have a lot of additional extra coverages that can add up on your car insurance policy. Add-on coverages like personal injury protection, accident forgiveness, and extra equipment coverage are examples of these. These may sound like a good investment initially, but if you have no use for them consider taking them off your policy.
- Safer the car lower the rate – Cars with five star safety ratings tend to have lower insurance rates. Safe vehicles reduce the chance of injuries and any reduction in injury severity translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Dodge Nitro scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
Everyone needs different insurance coverages
When quoting and comparing the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. You are unique.
Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.
- Am I covered if hit by an uninsured driver?
- Why do I have to buy liability insurance?
- Do I have coverage for damage caused while driving under the influence?
- Am I covered by my spouse’s policy after a separation?
- Should I rate my Dodge Nitro as pleasure use or commute?
- Does my insurance cover damage caused when ticketed for reckless driving?
- What if I don’t agree with a claim settlement offer?
- Why do I need rental car insurance?
If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.
Independent versus exclusive insurance agents
A small number of people just prefer to get professional advice from a licensed agent and that is a smart decision Experienced insurance agents can help you build your policy and help submit paperwork. A good thing about price shopping on the web is the fact that drivers can get cheap rate quotes and still have an agent to talk to.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is immediately sent to local insurance agents that provide free Kansas City car insurance quotes to get your business. It makes it easy because there is no need to do any legwork as quotes are delivered immediately to your email address. If for some reason you want to quote rates from one company in particular, don’t hesitate to find their quoting web page and fill out their quote form.
Picking a provider should include more criteria than just the quoted price. Any agent in Kansas City should be forthright in answering these questions:
- Is there a 24/7 contact number?
- Do the agents have professional certifications like CPCU or CIC?
- How many years of experience in personal auto insurance do they have?
- Do they feel the quoted coverages are adequate?
- Do they offer rental car reimbursement?
If you want a local insurance agency, you must know there are a couple types of insurance agents to choose from. Car insurance policy providers can be classified as either independent agents or exclusive agents. Either can do a good job, but we need to point out the difference in the companies they write for because it may have an impact on the kind of agent you use.
Exclusive Insurance Agents
Agents of this type generally can only insure with one company and some examples include Farmers Insurance or State Farm. Exclusive agencies are unable to compare other company’s rates so keep that in mind. Exclusive agents receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates.
Listed below are Kansas City exclusive insurance agents that are able to give price quote information.
Allen Jones – State Farm Insurance Agent
8900 Wornall Rd – Kansas City, MO 64114 – (816) 361-6362 – View Map
David Denny – State Farm Insurance Agent
8600 Ward Pkwy #2070 – Kansas City, MO 64114 – (816) 363-3187 – View Map
American Family Insurance – Paul Arnone
3851 N Oak Trafficway – Kansas City, MO 64116 – (816) 454-2152 – View Map
Independent Insurance Agents
Agents in the independent channel do not have single company limitations so they can insure your vehicles with many different companies and find you the best rates. To move your coverage to a new company, an independent agent can move your coverage and the insured can keep the same agent.
When shopping rates, you definitely need to include rate quotes from multiple independent agents to get the best comparison.
Below is a list of independent agents in Kansas City who can help you get price quote information.
SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995 – View Map
Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway – Kansas City, MO 64155 – (816) 452-8600 – View Map
Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345 – Kansas City, MO 64116 – (816) 390-4790 – View Map
Buying the right Nitro insurance in Missouri is an important decision
Even though it can be expensive, insurance serves an important purpose.
First, the majority of states have mandatory liability insurance requirements which means state laws require a specific level of liability if you want to drive legally. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your car with a loan, almost every bank will have a requirement that you buy insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may have to buy a policy to insure your Dodge at an extremely high rate and force you to pay the higher price.
Third, insurance protects not only your Dodge but also your assets. Insurance will also pay for many types of medical costs that are the result of an accident. Liability insurance will also pay attorney fees if anyone sues you for causing an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance outweigh the cost, especially when you need to use it. According to a recent study, the average American driver is wasting up to $869 every year so we recommend shopping around each time the policy renews to ensure rates are inline.
Find cheap rates by being thorough
Cheap Dodge Nitro insurance in Kansas City is available from both online companies as well as from independent agents in Kansas City, so you need to shop Kansas City car insurance with both in order to have the best chance of saving money. Some companies may not provide price quotes online and many times these regional carriers only sell through local independent agents.
We just presented quite a bit of information on how to save on Dodge Nitro insurance in Kansas City. It’s most important to understand that the more times you quote, the better your chances of lowering your auto insurance rates. Consumers could even find that the lowest rates are with some of the smallest insurance companies.
Drivers leave their current company for a variety of reasons including an unsatisfactory settlement offer, poor customer service, being labeled a high risk driver or delays in paying claims. It doesn’t matter why you want to switch finding a new car insurance company can be easier than you think.
More detailed car insurance information is located at these sites:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance Quotes for a Kia Optima in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance for 16 Year Olds in Kansas City? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Winter Driving (Insurance Information Institute)