Dodge Nitro Insurance Rate Quotes in Chicago

Insurance rates Dodge Nitro in ChicagoWould you like to stop overpaying and find low-cost Dodge Nitro insurance in Chicago? Have you fallen victim to an underperforming, overpriced insurance policy? It’s a common feeling and many Chicago drivers have buyer’s remorse.

Inconceivable but true, the vast majority of insurance customers in Illinois kept buying from the same company for a minimum of four years, and 38% of drivers have never compared rates with other companies. Consumers in the U.S. can save 46.5% each year just by comparing rates, but they don’t want to spend time to shop around.

Numerous auto insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurance company and uncover the absolute best price available on Dodge Nitro insurance in Chicago.

Do you qualify for discounts?

Auto insurance companies don’t list every possible discount in a way that’s easy to find, so the list below contains both the well known as well as the least known discounts you could be receiving when you buy Chicago auto insurance online.

As a disclaimer on discounts, most discount credits are not given to the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Car insurance companies that have many of the previously listed discounts include:

It’s a good idea to ask every prospective company which credits you are entitled to. A few discounts may not be available in every state. If you would like to choose from a list of insurance companies who offer cheap Dodge Nitro insurance quotes in Illinois, click here to view.

How to lower your Dodge Nitro insurance cost in Chicago, Illinois

When looking for cheaper Chicago auto insurance quotes, there are a couple ways to compare rate quotes from different companies. The simplest method to find the lowest Dodge Nitro rates is simply to get online rate quotes.

Doing price comparisons online is so simple that it makes it obsolete to make phone calls or go to insurance agents’ offices. Comparing Dodge Nitro insurance rates online eliminates the middleman unless you have a need for the professional guidance that only an agent can give. Some companies do allow you to comparison shop online but have a local agent actually write the policy.

When comparing insurance rates, know that obtaining a wide range of quotes helps improve the odds of finding more affordable rates. Not every company allows you to get price estimates online, so it’s recommended that you also compare prices from them as well.

The companies in the list below are our best choices to provide free quotes in Illinois. If more than one company is shown, we suggest you click on several of them in order to find the lowest rates.

Dodge Nitro Insurance Costs in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Nitro Heat 2WD $196 $334 $294 $18 $88 $930 $78
Nitro SE 2WD $112 $192 $284 $16 $84 $688 $57
Nitro SE 4WD $194 $344 $334 $20 $100 $992 $83
Nitro SXT 2WD $194 $344 $334 $20 $100 $992 $83
Nitro Heat 4WD $230 $280 $386 $22 $116 $1,034 $86
Nitro Detonator 2WD $198 $390 $356 $22 $106 $1,072 $89
Nitro SXT 4WD $194 $384 $384 $22 $114 $1,098 $92
Nitro Shock 2WD $182 $338 $398 $24 $120 $1,062 $89
Nitro Detonator 4WD $204 $374 $304 $18 $90 $990 $83
Nitro Shock 4WD $136 $242 $384 $22 $114 $898 $75
Get Your Own Custom Quote Go

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in Chicago location which can revise premium rates substantially.

Auto insurance rates by age and gender

The illustration below shows the difference between Dodge Nitro insurance rates for male and female drivers. The premiums are based on no claims or driving violations, comp and collision included, $250 deductibles, marital status is single, and no additional discounts are factored in.

Why Your Insurance Costs might be higher

Smart consumers have a good feel for a few of the rating criteria that aid in calculating your auto insurance rates. If you know what determines premiums, this helps enable you to make changes that may reward you with better auto insurance rates.

Car insurance is available from local agents

A small number of people prefer to get advice from a local agent and we recommend doing that An additional benefit of price shopping on the web is that drivers can save money and get lower rates and still have a local agent.

Find insurance agent in ChicagoUpon completion of this form (opens in new window), your coverage information is transmitted to participating agents in Chicago who will return price quotes to get your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies because prices are sent directly to your email. You’ll get the best rates and a licensed agent to work with. If you want to quote rates from a specific company, just jump over to their website and submit a quote form there.

Finding the right company is decision based upon more than just a cheap price quote. Before buying a policy in Chicago, get answers to these questions.

If you want to use an insurance agent, it’s important to understand the different types of agencies and how they can write your policy. Agents can be described as either exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide one company’s prices like Allstate, Farmers Insurance or State Farm. They usually cannot provide other company’s prices so they have to upsell other benefits. Exclusive agents receive extensive training on their company’s products which helps them sell on service rather than price.

Listed below is a list of exclusive agencies in Chicago that can give you rate quotes.

7035 W Grand AveChicago, IL 60707(708) 453-1771View Map

4316 W 63rd StChicago, IL 60629(773) 735-0135View Map

3338 W Foster AveChicago, IL 60625(773) 604-4334View Map

More Chicago agents

Independent Agencies or Brokers

These agents do not work for one specific company and that gives them the ability to insure with an assortment of companies and find the cheapest rate. If your premiums go up, they simply move the coverage in-house and the insured can keep the same agent. If you need lower rates, we recommend you get several quotes from several independent insurance agents in order to compare the most rates.

Below are Chicago independent agencies that are able to give price quotes.

3438 N Southport AveChicago, IL 60657(773) 871-8000View Map

4900 W Belmont AveChicago, IL 60641(773) 205-8255View Map

3656 N Cicero AveChicago, IL 60641(773) 725-9333View Map

More Chicago agents

Why insurance is not optional

Even though it can be expensive, buying insurance may not be optional for several reasons.

The benefits of having insurance outweigh the cost, specifically if you ever have a liability claim. But the average driver in Illinois is overpaying over $750 every year so shop around each time the policy renews to ensure rates are inline.

The best insurance company isn’t always the cheapest

As you prepare to switch companies, you should never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced physical damage coverage and discovered at claim time that it was a big error on their part. Your goal is to buy enough coverage for the lowest price, not the least amount of coverage.

Budget-conscious Dodge Nitro insurance can be purchased on the web as well as from independent agents in Chicago, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers do not offer rates over the internet and most of the time these regional carriers sell through independent agents.

For more information, take a look at the resources below: