The easiest way to get budget auto insurance rates in Detroit is to regularly compare quotes from insurers in Michigan.
- Read about the coverage provided by your policy and the measures you can control to lower rates. Many risk factors that result in higher prices like accidents, traffic tickets, and an unfavorable credit rating can be eliminated by being financially responsible and driving safely.
- Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can quote prices for many different companies.
- Compare the new rates to the price on your current policy to see if a cheaper rate is available in Detroit. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
The most important part of shopping around is to use identical coverage information on each price quote and and to analyze all possible companies. This helps ensure a fair rate comparison and the best price quote selection.
Shockingly, about 70% of customers renewed their policy with the same company for well over three years, and roughly 40% of drivers have never compared rates with other companies. Drivers in Detroit could save about 65% a year by just comparing rate quotes, but they don’t invest the time required to find affordable car insurance rates.
Save Money with These Tips
It’s important that you understand the different types of things that play a part in calculating auto insurance rates. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that could help you find better auto insurance rates. Multiple criteria are taken into consideration when you get your auto insurance bill. Most are fairly basic such as your driving history, but some are less apparent such as your marital status or how safe your car is.
Your address can modify rates – Choosing to live in areas with lower population may provide you with better prices when insuring your vehicles. People who live in big cities tend to have more aggressive driving styles and higher rates of accident claims. Lower population translates into fewer accident claims in addition to fewer liability claims.
Marriage is a good thing – Walking down the aisle helps lower the price when buying auto insurance. Having a significant other usually means you are more responsible and insurance companies reward insureds because married drivers get in fewer accidents.
Infrequent drivers can save – The more you drive in a year’s time the more you will pay for auto insurance. Almost all companies charge to insure your cars based upon how much you drive. Vehicles that have low annual miles qualify for better rates compared to those used for work or business. Incorrect rating for your Nitro is throwing money out the window. It’s a good idea to make sure your policy is rated on how each vehicle is driven.
High performance equals high costs – The make and model of the car, truck or SUV you need to insure makes a big difference in determining your rates. The cheapest rates are for low performance passenger vehicles, but other factors influence the final cost greatly.
The following chart assumes a single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It shows Dodge Nitro rates compared to other makes and models that have a range of performance risks.
Policy add-ons add up – There are many add-on coverages that you can get tricked into buying on your Nitro policy. Coverages for vanishing deductibles, accidental death, and membership fees are examples of these. They may seem like a good idea when discussing your needs, but now you might not need them so get rid of them and save.
Responsible drivers pay better costs – Attentive drivers get better rates than their less careful counterparts. Just one chargeable violation may cause rates to rise substantially. Drivers who get serious violations like DUI, reckless driving or excessive speeding may find they need to prove financial responsibility with the DMV in their state in order to legally drive a vehicle.
The example below highlights how speeding tickets and at-fault accidents increase Dodge Nitro premium costs for different age groups of insureds. The information is based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied.
Gender is a factor – The statistics show females are less aggressive when driving. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes are in fender benders in similar numbers, but men tend to have higher claims. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
The information below shows the difference between Dodge Nitro insurance premiums for male and female drivers. The prices are based on no accidents or driving violations, full coverage, $250 deductibles, drivers are single, and no discounts are taken into consideration.
Safer cars means lower auto insurance rates – Safe vehicles cost less to insure. Highly rated vehicles reduce injuries and fewer serious injuries means less money paid by your insurance company passed on to you as lower rates.
How to get Detroit Dodge Nitro insurance quotes
Keep in mind that having more price comparisons will enable you to find the best offered rates.
The companies shown below are our best choices to provide free rate quotes in Detroit, MI. If you want cheap auto insurance in Detroit, MI, we recommend you visit as many as you can to get the best price comparison.
Dodge Nitro insurance coverage information
The premium table shown below covers estimates of insurance costs for Dodge Nitro models. Having insight into how insurance policy rates are determined can benefit drivers when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $246 | $456 | $882 | $52 | $264 | $1,900 | $158 |
| Nitro SE 2WD | $246 | $456 | $882 | $52 | $264 | $1,900 | $158 |
| Nitro SE 4WD | $284 | $456 | $882 | $52 | $264 | $1,938 | $162 |
| Nitro SXT 2WD | $284 | $456 | $882 | $52 | $264 | $1,938 | $162 |
| Nitro Heat 4WD | $284 | $456 | $882 | $52 | $264 | $1,938 | $162 |
| Nitro Detonator 2WD | $284 | $554 | $882 | $52 | $264 | $2,036 | $170 |
| Nitro SXT 4WD | $284 | $554 | $882 | $52 | $264 | $2,036 | $170 |
| Nitro Shock 2WD | $284 | $554 | $882 | $52 | $264 | $2,036 | $170 |
| Nitro Detonator 4WD | $284 | $554 | $882 | $52 | $264 | $2,036 | $170 |
| Nitro Shock 4WD | $320 | $554 | $882 | $52 | $264 | $2,072 | $173 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate information does not factor in Detroit location which can alter coverage rates substantially.
Deductible comparison
A question often asked by Detroit drivers is which comprehensive and collision deductibles to buy. The following insurance rates help summarize the price difference between low and high policy deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $464 | $738 | $780 | $46 | $234 | $2,287 | $191 |
| Nitro SE 2WD | $464 | $738 | $780 | $46 | $234 | $2,287 | $191 |
| Nitro SE 4WD | $534 | $738 | $780 | $46 | $234 | $2,357 | $196 |
| Nitro SXT 2WD | $534 | $738 | $780 | $46 | $234 | $2,357 | $196 |
| Nitro Heat 4WD | $534 | $738 | $780 | $46 | $234 | $2,357 | $196 |
| Nitro Detonator 2WD | $534 | $900 | $780 | $46 | $234 | $2,519 | $210 |
| Nitro SXT 4WD | $534 | $900 | $780 | $46 | $234 | $2,519 | $210 |
| Nitro Shock 2WD | $534 | $900 | $780 | $46 | $234 | $2,519 | $210 |
| Nitro Detonator 4WD | $534 | $900 | $780 | $46 | $234 | $2,519 | $210 |
| Nitro Shock 4WD | $602 | $900 | $780 | $46 | $234 | $2,587 | $216 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $288 | $464 | $780 | $46 | $234 | $1,812 | $151 |
| Nitro SE 2WD | $288 | $464 | $780 | $46 | $234 | $1,812 | $151 |
| Nitro SE 4WD | $330 | $464 | $780 | $46 | $234 | $1,854 | $155 |
| Nitro SXT 2WD | $330 | $464 | $780 | $46 | $234 | $1,854 | $155 |
| Nitro Heat 4WD | $330 | $464 | $780 | $46 | $234 | $1,854 | $155 |
| Nitro Detonator 2WD | $330 | $566 | $780 | $46 | $234 | $1,956 | $163 |
| Nitro SXT 4WD | $330 | $566 | $780 | $46 | $234 | $1,956 | $163 |
| Nitro Shock 2WD | $330 | $566 | $780 | $46 | $234 | $1,956 | $163 |
| Nitro Detonator 4WD | $330 | $566 | $780 | $46 | $234 | $1,956 | $163 |
| Nitro Shock 4WD | $372 | $566 | $780 | $46 | $234 | $1,998 | $167 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in specific zip code location which can impact coverage rates significantly.
Based on this data, using a $250 deductible would cost the average driver about $44 more each month or $528 a year than requesting the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 17 months between claim filings, you would save more money going with the higher deductible.
The illustration below illustrates how your choice of deductibles and can influence Dodge Nitro yearly insurance costs for different age groups. The premiums assume a married female driver, comprehensive and collision coverage, and no discounts are applied.
Three good reasons to insure your Dodge Nitro
Despite the fact that insurance is not cheap in Detroit, insuring your vehicle is a good idea for several reasons.
- The majority of states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability insurance coverage if you want to drive legally. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Dodge Nitro has a lienholder, almost all lenders will make it mandatory that you have insurance to protect their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your Dodge at a significantly higher premium and make you pay for it.
- Insurance safeguards both your Dodge and your personal assets. It also can pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, your policy will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance greatly outweigh the cost, especially when you need to use it. According to a 2015 survey, the average American driver is overpaying over $865 each year so smart consumers compare quotes at least once a year to help ensure money is not being wasted.
Discounts mean cheaper rates for Dodge Nitro insurance in Detroit
Insurance can be prohibitively expensive, but you may be missing some discounts that could help you make your next renewal payment. Certain credits will be shown at quote time, but a few must be requested specifically before you get the savings. If you don’t get every credit possible, you could be getting lower rates.
- Early Signing – A few companies allow discounts for signing up early. This can save 10% or more.
- Passive Restraints – Factory options such as air bags may qualify for discounts as much as 30%.
- Safe Driver Discounts – Insureds without accidents could pay up to 40% less than their less cautious counterparts.
- Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
- Federal Employees – Active or retired federal employment can save as much as 8% with select insurance companies.
- Payment Method – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
- Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Discounts for New Vehicles – Putting auto insurance coverage on a new Nitro can get you a discount since newer models have better safety ratings.
- Discount for Life Insurance – Larger auto insurance companies have a discounted rate on car insurance if you buy some life insurance too.
- ABS and Traction Control Discounts – Vehicles with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
One last thing about discounts, most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, insurance companies wouldn’t stay in business.
The information below visualizes the comparison of Dodge Nitro insurance prices with and without discounts being applied to the rates. The data assumes a male driver, no accidents, no driving violations, Michigan state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-policy, safe-driver, and multi-car discounts applied.
For a list of insurers who offer cheap Dodge Nitro insurance quotes in Detroit in Michigan, click here.
Car insurance is available from agents near you
Many drivers still prefer to visit with an insurance agent and there is nothing wrong with that. One of the best bonuses of comparing car insurance online is the fact that you can find lower rates and still have an agent to talk to.
Upon completion of this form (opens in new window), your insurance coverage information is submitted to local insurance agents in Detroit who can give free rate quotes for your business. It simplifies rate comparisons since you won’t have to even leave your home since rate quotes are delivered to the email address you provide. You’ll get the best rates without requiring a lot of work. If you have a need to compare rates from a particular provider, just visit that company’s website and fill out their quote form.
Picking the best company needs to be determined by more than just the bottom line cost. Here are some questions you should ask.
- What are their preferred companies if they are an independent agency?
- Can you use your own choice of collision repair facility?
- Which members of your family are coverage by the policy?
- Do they reduce claim amounts on high mileage vehicles?
- Can they give you a list of client referrals?
- Will a damage claim use OEM or aftermarket replacement parts?
The difference between Detroit auto insurance agents
If you prefer to buy car insurance from local Detroit agents, it’s important to understand the different types of agents that you can select. Detroit agents may be either independent (non-exclusive) or exclusive.
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide pricing for a single company and examples are Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. These agents receive a lot of sales training on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to use the same agent mostly because of the brand name instead of buying on price only.
Shown below are Detroit exclusive agents who can help you get price quote information.
- Kenya Wells – State Farm Insurance Agent
20021 Kelly Rd – Detroit, MI 48225 – (313) 822-5948 – View Map - State Farm – Eric Huffman
3031 W Grand Blvd #568 – Detroit, MI 48202 – (313) 875-3172 – View Map - Angela Hughes – State Farm Insurance Agent
14511 W McNichols Rd – Detroit, MI 48235 – (313) 862-7800 – View Map
Independent Car Insurance Agents
These agents are appointed with more than one company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. If premiums increase, they simply move the coverage in-house and you stay with the same agent.
When comparing rate quotes, it’s recommended you get insurance quotes from at a minimum one independent agency in order to have the best price comparison. Many independent agencies also insure through companies you’ve never heard of which may have better rates.
The following are independent agents in Detroit willing to provide rate quotes.
- L.A. Insurance Agency
15607 Grand River Ave – Detroit, MI 48227 – (313) 835-4000 – View Map - Insurance Services of Michigan
615 Griswold St Griswold – Detroit, MI 48226 – (313) 963-7170 – View Map - Detroit Auto Insurance
620 Woodward Ave – Detroit, MI 48226 – (517) 618-1693 – View Map
The lowest rates come from being thorough
You just read a lot of techniques to compare Dodge Nitro insurance premium rates in Detroit. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with a lesser-known regional company.
Lower-priced car insurance in Detroit is possible online in addition to many Detroit insurance agents, and you need to price shop both to have the best selection. There are still a few companies who do not provide internet price quotes and usually these regional carriers only sell through independent agents.
Insureds leave their current company for a number of reasons such as high prices, high rates after DUI convictions, an unsatisfactory settlement offer or even questionable increases in premium. Whatever your reason, finding a new company is not as difficult as it may seem.
For more information, feel free to browse the articles below:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance for Lyft Drivers in Detroit? (FAQ)
- Who Has Affordable Auto Insurance for Teenage Males in Detroit? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers Over Age 60 in Detroit? (FAQ)
- What Insurance is Cheapest for Low Mileage Drivers in Detroit? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Auto Insurance for Teen Drivers (Insurance Information Institute)