Want to know an easy way to compare low-cost car insurance rates in Minneapolis, MN? Minneapolis drivers have many options when trying to find the lowest priced Dodge Nitro insurance. They can either waste time calling around getting price quotes or utilize the internet to get rate quotes.
There are more efficient ways to buy car insurance and you need to know the proper way to quote coverages for a Dodge and obtain the best price possible from both online companies and Minneapolis agents.
The intent of this article is to instruct you on the best ways to compare prices and also pocket some savings If you’re already insured, you will surely be able to reduce the price you pay using the techniques covered below. Shoppers just need to learn the least time-consuming way to get comparison quotes from many companies at once.
Where can I get cheap Minneapolis Dodge Nitro insurance?
Many insurance companies allow consumers to get coverage price quotes from their websites. This process doesn’t take much effort because you just enter the coverage amounts you desire as detailed in the form. Behind the scenes, the quote system automatically retrieves your driving record and credit report and generates pricing information.
Quoting online for Dodge Nitro insurance in Minneapolis makes comparing rates easy, and it’s very important to get many rate quotes in order to find the best rate.
In order to use this form to compare rates, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you duplicate deductibles and limits identical to your current policy. This makes sure you will have a fair comparison for similar insurance coverage.
The car insurance companies shown below offer price quotes in Minneapolis, MN. In order to find cheap auto insurance in Minneapolis, MN, we recommend you click on several of them to get a more complete price comparison.
Verify you’re earning every discount
Companies that sell car insurance don’t always advertise the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of a few of the more well known and also the more inconspicuous ways to save on auto insurance.
- Student Discounts – A discount for being a good student may save as much as 25% on a Minneapolis auto insurance quote. Many companies even apply the discount to college students until age 25.
- E-sign – Some of the larger companies provide a small discount for buying your policy online.
- Full Payment Discount – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
- No Accidents – Insureds who avoid accidents and claims can save substantially in comparison with insureds who have frequent claims or accidents.
- Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn slightly better premium rates than normal.
- Discount for Life Insurance – Not all auto insurance companies offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
- Bundle and Save – If you insure your home and vehicles with the same insurance company you could save at least 10 to 15 percent or more.
- Data Collection Discounts – Minneapolis drivers who agree to allow driving data collection to spy on their driving habits through the use of a telematics system such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
As is typical with insurance, most credits do not apply to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky.
The information below shows the comparison of Dodge Nitro annual premium costs with and without some available policy discounts. The price estimates are based on a female driver, no violations or claims, Minnesota state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, claim-free, marriage, and multi-car discounts applied.
The best auto insurance companies and their possible discounts are shown below.
- GEICO offers discounts including driver training, good student, daytime running lights, five-year accident-free, defensive driver, and military active duty.
- Mercury Insurance discounts include age of vehicle, anti-theft, professional/association, good student, and annual mileage.
- Farmers Insurance has savings for bundle discounts, electronic funds transfer, pay in full, distant student, teen driver, and alternative fuel.
- Auto-Owners Insurance policyholders can earn discounts including teen driver, company car, safe vehicle, mature driver, student away at school, and group or association.
- Liberty Mutual may have discounts that include multi-car, teen driver discount, new move discount, newly retired, and exclusive group savings.
- SAFECO may include discounts for multi-car, homeowner, anti-theft, teen safe driver, and accident prevention training.
- Progressive offers premium reductions for homeowner, online quote discount, continuous coverage, multi-vehicle, good student, multi-policy, and online signing.
- USAA offers discounts for defensive driver, annual mileage, multi-policy, new vehicle, multi-vehicle, vehicle storage, and family discount.
Before you buy a policy, ask each insurance company how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in your area. To see auto insurance companies with significant discounts in Minnesota, click this link.
Statistics and details
The data table displayed below showcases a range of insurance rates for Dodge Nitro models. Learning as much as possible about how insurance quotes are figured can benefit drivers when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $238 | $406 | $358 | $22 | $108 | $1,132 | $94 |
| Nitro SE 2WD | $238 | $406 | $358 | $22 | $108 | $1,132 | $94 |
| Nitro SE 4WD | $272 | $406 | $358 | $22 | $108 | $1,166 | $97 |
| Nitro SXT 2WD | $272 | $406 | $358 | $22 | $108 | $1,166 | $97 |
| Nitro Heat 4WD | $272 | $406 | $358 | $22 | $108 | $1,166 | $97 |
| Nitro Detonator 2WD | $272 | $492 | $358 | $22 | $108 | $1,252 | $104 |
| Nitro SXT 4WD | $272 | $492 | $358 | $22 | $108 | $1,252 | $104 |
| Nitro Shock 2WD | $272 | $492 | $358 | $22 | $108 | $1,252 | $104 |
| Nitro Detonator 4WD | $272 | $492 | $358 | $22 | $108 | $1,252 | $104 |
| Nitro Shock 4WD | $308 | $492 | $358 | $22 | $108 | $1,288 | $107 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price estimates do not factor in specific zip code location which can raise or lower insurance rates considerably.
Policy deductibles
The hardest decision when buying coverage is where to set your physical damage deductibles. The comparison tables below sum up the difference in cost when you buy lower versus higher physical damage deductibles. The first data table uses a $250 deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $214 | $340 | $358 | $22 | $108 | $1,067 | $89 |
| Nitro SE 2WD | $214 | $340 | $358 | $22 | $108 | $1,067 | $89 |
| Nitro SE 4WD | $246 | $340 | $358 | $22 | $108 | $1,099 | $92 |
| Nitro SXT 2WD | $246 | $340 | $358 | $22 | $108 | $1,099 | $92 |
| Nitro Heat 4WD | $246 | $340 | $358 | $22 | $108 | $1,099 | $92 |
| Nitro Detonator 2WD | $246 | $414 | $358 | $22 | $108 | $1,173 | $98 |
| Nitro SXT 4WD | $246 | $414 | $358 | $22 | $108 | $1,173 | $98 |
| Nitro Shock 2WD | $246 | $414 | $358 | $22 | $108 | $1,173 | $98 |
| Nitro Detonator 4WD | $246 | $414 | $358 | $22 | $108 | $1,173 | $98 |
| Nitro Shock 4WD | $276 | $414 | $358 | $22 | $108 | $1,203 | $100 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $174 | $274 | $358 | $22 | $108 | $936 | $78 |
| Nitro SE 2WD | $174 | $274 | $358 | $22 | $108 | $936 | $78 |
| Nitro SE 4WD | $200 | $274 | $358 | $22 | $108 | $962 | $80 |
| Nitro SXT 2WD | $200 | $274 | $358 | $22 | $108 | $962 | $80 |
| Nitro Heat 4WD | $200 | $274 | $358 | $22 | $108 | $962 | $80 |
| Nitro Detonator 2WD | $200 | $334 | $358 | $22 | $108 | $1,022 | $85 |
| Nitro SXT 4WD | $200 | $334 | $358 | $22 | $108 | $1,022 | $85 |
| Nitro Shock 2WD | $200 | $334 | $358 | $22 | $108 | $1,022 | $85 |
| Nitro Detonator 4WD | $200 | $334 | $358 | $22 | $108 | $1,022 | $85 |
| Nitro Shock 4WD | $224 | $334 | $358 | $22 | $108 | $1,046 | $87 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can alter coverage prices considerably.
We can estimate from the data above that using a $250 deductible will cost you about $13 more each month or $156 annually than quoting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 19 months between claims, you would probably save some money if you choose the higher deductible.
Calculate deductible break even point
| Average monthly premium for $250 deductibles: | $95 |
| Average monthly premium for $500 deductibles (subtract): | – $82 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One thing to be aware of is that increasing deductibles to save money means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You will want to have enough savings in the event you have to pay the higher deductible.
Dodge Nitro liability rates compared to full coverage
The information below shows the comparison of Dodge Nitro insurance rates with and without physical damage coverage. The premium estimates are based on no accidents, no driving violations, $500 deductibles, single status, and no policy discounts are applied.
Are you wasting money on full coverage?
There is no specific rule of when to exclude comp and collision coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Dodge Nitro settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after the deductible is paid. If premiums are more than $400 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some conditions where eliminating full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not drop full coverage.
Why Your Insurance Costs might be higher
Many factors are used in the calculation when premium rates are determined. Some are pretty understandable like an MVR report, but some are less apparent like your continuous coverage or your commute time.
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How old are your drivers? – Drivers with little experience have been known to be inattentive and easily distracted when driving so they pay higher insurance rates. Older people tend to be more responsible, file fewer claims, and receive fewer citations.
The following chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
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Women tend to take less risk – Statistics have proven that females take fewer risks when driving. However, don’t assume that females are better drivers. Females and males have fender benders at a similar rate, but the male of the species cause more damage. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are most likely to cause an accident and are penalized with high insurance rates.
The example below shows the difference between Dodge Nitro yearly insurance costs for male and female drivers. The data assumes no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are applied.
- Drivers with excellent credit save – Your credit score is likely to be a major factor in your rate calculation. If your credit leaves room for improvement, you could potentially save money when insuring your Dodge Nitro if you improve your credit rating. Insureds with very high credit ratings tend to be more responsible than those with lower ratings.
- Higher deductibles save money – Comp and collision deductibles define the amount you are willing to pay before your insurance pays a claim. Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Some instances where coverage would apply are rear-ending another vehicle, animal collisions, or theft of your vehicle. The higher the amount you choose to pay out-of-pocket, the better rate you will receive.
- Use one insurance company and save – The majority of insurance companies apply a discount to clients who have multiple policies with them. It’s known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other Minneapolis Nitro insurance rates to guarantee you are still saving the most. Consumers may find better rates even if you have your coverage with different companies
Compare rate quotes but still have a local Minneapolis insurance agency
Some consumers just prefer to have an agent’s advice and that is a smart decision Professional insurance agents can help you build your policy and help you file claims. A nice benefit of comparing insurance prices online is you can get lower rates and still have an agent to talk to. Buying insurance from neighborhood agents is important particularly in Minneapolis.
To make it easy to find an agent, after completing this simple form, your coverage information is sent to local insurance agents in Minneapolis who want to provide quotes and help you find cheaper coverage. You don’t have to search for any insurance agencies due to the fact that quote results will go instantly to you. If you wish to get a rate quote from a particular provider, feel free to visit that company’s website and give them your coverage information.
If you are wanting to find a reputable agency, it’s helpful to know the different agency structures and how they differ in how they quote coverages. Insurance agencies in Minneapolis can be categorized as either independent agents or exclusive agents. Both types of agents can insure your vehicles, but it’s worth mentioning how they are different because it can influence buying decisions.
Independent Insurance Agencies or Brokers
Agents of this type do not write with just one company so as a result can place your coverage with many different companies and find you cheaper rates. If they find a lower price, they can switch companies in-house which is easy for the insured.
When comparing insurance rates, it’s recommended you get several quotes from at a minimum one independent agency to maximize your price options. Most can insure with mutual insurance companies which may have better rates.
Below is a short list of independent agencies in Minneapolis that may be able to give you price quote information.
- Dedicated Insurance
2736 Lyndale Ave S – Minneapolis, MN 55408 – (612) 872-4004 – View Map - RC4 Insurance Agency, LLC
7220 Metro Blvd #150 – Minneapolis, MN 55439 – (952) 896-9542 – View Map - A Act One Auto Insurance Agency
2925 Glenhurst Ave – Minneapolis, MN 55416 – (612) 722-8010 – View Map
Exclusive Agencies
Agents in the exclusive channel can only write with one company like American Family, State Farm, and AAA. They usually cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agents are highly trained on their company’s products and that can be a competitive advantage. Some consumers prefer to buy from the same agent for years mainly due to loyalty to the company instead of buying on price only.
Listed below are Minneapolis exclusive agents that are able to give price quote information.
- Farmers Insurance – Matthew Nye
2104 Stevens Ave #309 – Minneapolis, MN 55404 – (612) 979-2330 – View Map - Julie Nadeau – State Farm Insurance Agent
7801 E Bush Lake Rd #200 – Minneapolis, MN 55439 – (952) 937-2020 – View Map - Allstate Insurance: Mohamud Isse
331 E Lake St – Minneapolis, MN 55408 – (612) 353-6667 – View Map
Finding the right insurance agency shouldn’t rely on just a cheap quote. These are some questions your agent should answer.
- Can glass claims be handled at your home?
- Where are claims handled?
- Does the agent help file claims?
- When do they do a full risk review?
- Will your rates increase after a single accident?
- Is the quote a firm price?
- How long have they been in business?
- Does their agency support local causes in Minneapolis?
If you get good feedback to any questions you have and a good coverage price, you may have just found a car insurance agent that is a good match to adequately provide insurance.
Frequent quotes can save
When you buy Minneapolis auto insurance online, make sure you don’t reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice liability coverage limits and found out when filing a claim that they should have had better coverage. The goal is to buy enough coverage at a price you can afford but still have enough coverage for asset protection.
Lower-priced insurance in Minneapolis can be sourced both online and also from your neighborhood Minneapolis agents, so get free Minneapolis auto insurance quotes from both of them to have the best selection. Some insurance companies don’t offer online rate quotes and usually these smaller providers prefer to sell through local independent agents.
We just presented many tips how you can reduce Dodge Nitro insurance rates online in Minneapolis. It’s most important to understand that the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even find the most savings is with a lesser-known regional company.
How to quote cheaper Dodge Nitro insurance in Minneapolis
If you want to save the most money, the best way to find better pricing on Dodge Nitro insurance in Minneapolis is to compare prices regularly from different companies who sell insurance in Minnesota.
- Step 1: Gain an understanding of how insurance works and the measures you can take to prevent high rates. Many risk factors that cause rate increases such as speeding tickets, careless driving and your credit history can be eliminated by making minor changes in your lifestyle.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or Allstate, while independent agents can quote prices for many different companies.
- Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Provide notification to your current agent or company of your decision to cancel your existing policy. Submit the required down payment along with the signed application to your new carrier. Immediately upon receiving it, store the certificate of insurance with the vehicle registration.
The critical component of shopping around is that you use the same liability limits and deductibles on each price quote and and to look at as many companies as possible. Doing this enables a level playing field and a complete price analysis.
Additional articles
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- Property Damage Coverage (Liberty Mutual)