Do you want to stop overpaying and find more affordable auto insurance rates in Bakersfield, CA? Bakersfield shoppers have many options when shopping for affordable Dodge Nitro insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to find the lowest rates.
There is a better way to compare auto insurance rates and we’ll show you the best way to quote coverages for your Dodge and obtain the lowest possible price from Bakersfield insurance agents and online providers.
You need to compare rates yearly because prices fluctuate regularly. Just because you found the best price on Dodge Nitro insurance in Bakersfield a year ago you can probably find a better rate now. You can find a lot of information about Nitro insurance on the web, but in a few minutes you can learn a bunch of ideas how to quit paying high auto insurance rates in Bakersfield.
The goal of this article is to help you learn the best methods to compare rates. If you have insurance now, you will most likely be able to save money using these tips. Smart shoppers just have to understand the proper methods to buy insurance over the internet.
Verify you’re receiving every discount
Car insurance companies don’t always list all their discounts in an easy-to-find place, so the list below details both well-publicized and also the more inconspicuous credits available to you.
- No Charge for an Accident – Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident without the usual rate increase so long as you are claim-free before the accident.
- Active Military Service – Being on active duty in the military may lower your auto insurance rates slightly.
- Theft Deterrent – Vehicles that have factory anti-theft systems are stolen with less frequency so companies will give you a small discount.
- Multi-Vehicle Discounts – Insuring multiple vehicles on a single policy could earn a price break for each car.
- Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount when shopping for auto insurance.
As is typical with insurance, most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it appears adding up those discounts means a free policy, companies don’t profit that way.
The illustration below illustrates the difference between Dodge Nitro car insurance costs with and without discounts applied to the policy premium. Data assumes a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-car, marriage, and multi-policy discounts applied.
To choose insurance companies that offer discounts in Bakersfield, click here.
Finding a better price on auto insurance doesn’t have to be difficult. You just need to take a couple of minutes to get quotes to see which company has the cheapest Dodge Nitro rate quotes.
The auto insurance companies shown below have been selected to offer comparison quotes in California. If more than one company is shown, we suggest you click on several of them in order to get a fair rate comparison.
Facts and figures for Dodge Nitro insurance
The rate information below outlines different insurance costs for Dodge Nitro models. Learning as much as possible about how insurance rates are established can help guide drivers when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $178 | $292 | $510 | $30 | $152 | $1,162 | $97 |
| Nitro SE 2WD | $178 | $292 | $510 | $30 | $152 | $1,162 | $97 |
| Nitro SE 4WD | $204 | $292 | $510 | $30 | $152 | $1,188 | $99 |
| Nitro SXT 2WD | $204 | $292 | $510 | $30 | $152 | $1,188 | $99 |
| Nitro Heat 4WD | $204 | $292 | $510 | $30 | $152 | $1,188 | $99 |
| Nitro Detonator 2WD | $204 | $354 | $510 | $30 | $152 | $1,250 | $104 |
| Nitro SXT 4WD | $204 | $354 | $510 | $30 | $152 | $1,250 | $104 |
| Nitro Shock 2WD | $204 | $354 | $510 | $30 | $152 | $1,250 | $104 |
| Nitro Detonator 4WD | $204 | $354 | $510 | $30 | $152 | $1,250 | $104 |
| Nitro Shock 4WD | $230 | $354 | $510 | $30 | $152 | $1,276 | $106 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in specific zip code location which can affect premium rates considerably.
Analysis of deductible levels
The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The rates below show the rate differences of buying low and high coverage deductibles. The first price estimate table uses a $100 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $332 | $564 | $500 | $30 | $150 | $1,601 | $133 |
| Nitro SE 2WD | $332 | $564 | $500 | $30 | $150 | $1,601 | $133 |
| Nitro SE 4WD | $380 | $564 | $500 | $30 | $150 | $1,649 | $137 |
| Nitro SXT 2WD | $380 | $564 | $500 | $30 | $150 | $1,649 | $137 |
| Nitro Heat 4WD | $380 | $564 | $500 | $30 | $150 | $1,649 | $137 |
| Nitro Detonator 2WD | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Nitro SXT 4WD | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Nitro Shock 2WD | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Nitro Detonator 4WD | $380 | $686 | $500 | $30 | $150 | $1,771 | $148 |
| Nitro Shock 4WD | $430 | $686 | $500 | $30 | $150 | $1,821 | $152 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $242 | $382 | $500 | $30 | $150 | $1,304 | $109 |
| Nitro SE 2WD | $242 | $382 | $500 | $30 | $150 | $1,304 | $109 |
| Nitro SE 4WD | $278 | $382 | $500 | $30 | $150 | $1,340 | $112 |
| Nitro SXT 2WD | $278 | $382 | $500 | $30 | $150 | $1,340 | $112 |
| Nitro Heat 4WD | $278 | $382 | $500 | $30 | $150 | $1,340 | $112 |
| Nitro Detonator 2WD | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| Nitro SXT 4WD | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| Nitro Shock 2WD | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| Nitro Detonator 4WD | $278 | $464 | $500 | $30 | $150 | $1,422 | $119 |
| Nitro Shock 4WD | $314 | $464 | $500 | $30 | $150 | $1,458 | $122 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in your specific Bakersfield location which can revise coverage prices significantly.
We can derive from the above data that using a $100 deductible costs about $27 more each month or $324 a year across all Dodge Nitro models than buying the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have more than 15 months between claims, you would more than likely save some money going with the higher deductible. The table below shows an example of how this determination is made.
| Average monthly premium for $100 deductibles: | $142 |
| Average monthly premium for $500 deductibles (subtract): | – $115 |
| Monthly savings from raising deductible: | $27 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $27 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
One important note is that higher deductibles results in more money out-of-pocket at claim time. That will require some extra funds in the event you have to pay the deductible.
The example below illustrates how your deductible choice and can impact Dodge Nitro insurance costs for different categories of driver ages. The prices are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
Dodge Nitro insurance rates by gender in Bakersfield
The illustration below illustrates the comparison of Dodge Nitro premium costs for male and female drivers. The data is based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, drivers are not married, and no other discounts are factored in.
How Insurance Companies Calculate Dodge Nitro Insurance Rates
Lots of factors are used in the calculation when quoting car insurance. Some are pretty understandable such as your driving history, but some are not quite as obvious like your continuous coverage or how financially stable you are.
The items below are just a few of the factors that factor into your premiums.
- Policy add-ons may be wasting money – There are a ton of optional add-on coverages that may not really be needed if you aren’t diligent. Coverages for coverage for rental cars, better glass coverage, and Farm Bureau memberships may be costing you every month. The coverages may be enticing at first, but your needs may have changed so consider taking them off your policy.
- Claim-free discounts can add up – If you are the type of insured that files lots of claims you can definitely plan on either policy cancellation or increased premiums. Car insurance companies in California award the lowest premiums to drivers who do not file claims often. Your insurance policy is meant to be used in the event of more catastrophic claims.
- Job and insurance prices – Occupational choices like judges, police officers, and dentists generally pay higher average rates attributed to high stress and lots of time spent away from family. Conversely, jobs such as farmers, historians and retirees generally pay rates lower than average.
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Lower performance equals lower insurance premiums – The type of car or truck you own makes a huge difference in the rate you pay. The lowest premiums are usually found on economy passenger vehicles, but that’s not the only thing that factors into the final price.
The chart below is based on a married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It compares Dodge Nitro car insurance rates compared to other models of vehicles that have different risk factors.
- Always keep your policy in place – Driving any period of time without insurance is a misdemeanor and your next policy will cost more because you let your insurance lapse for non-payment. In addition to paying higher premiums, getting caught without coverage will get you fines and jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the California DMV.
Auto insurance quotes from local neighborhood Bakersfield car insurance agents
A lot of people still prefer to buy from a local agent and that is a personal choice. Most agents can point out coverage gaps and help submit paperwork. A good thing about getting online price quotes is that you can obtain cheap auto insurance quotes and still choose a local agent. Buying from local insurance agencies is definitely important in Bakersfield.
To help locate an agent, after submitting this form (opens in new window), your information is sent to local insurance agents in Bakersfield who will return price quotes and help you find cheaper coverage. You won’t need to contact any insurance agencies because quoted prices will be sent immediately to you. If you want to compare rates from one company in particular, you just need to go to their quote page and submit a quote form there.
Pick the best auto insurance agent in Bakersfield for you
If you are wanting to find a local insurance agency, you should know the different types of agencies from which to choose. Bakersfield agents are either exclusive or independent agents depending on their company appointments. Both types of agents can write auto insurance policies, but it’s good to learn the difference in how they write coverage since it can impact buying decisions.
Independent Auto Insurance Agencies
Agents of this type often have many company appointments so they can insure your vehicles with multiple insurance companies and get you the best rates possible. If premiums increase, they simply switch companies in-house and you don’t have to find a new agent. If you need cheaper auto insurance rates, you need to check rates from multiple independent agents to ensure the widest selection of prices. Most can insure with smaller companies which could offer lower prices.
The following are Bakersfield independent agencies that may be able to give you price quote information.
- Miroslava Hernandez Insurance Agency
6433 E Brundage Ln # 2 – Bakersfield, CA 93307 – (661) 326-7200 – View Map - California Insurance Specialist
1601 New Stine Rd # 100 – Bakersfield, CA 93309 – (661) 397-3944 – View Map - Tony Camarena Insurance Agency
324 Oak St – Bakersfield, CA 93304 – (661) 322-3500 – View Map
Exclusive Auto Insurance Agents
Exclusive agencies can only place business with one company and some examples include American Family, State Farm, and AAA. These agents are unable to provide other company’s prices so always compare other rates. Exclusive agencies are highly trained on sales techniques which can be an advantage. Some insured continue to use the same agent primarily because of the brand rather than low price.
Below is a list of exclusive insurance agents in Bakersfield that are able to give rate quotes.
- Rosie Schweer – State Farm Insurance Agent
4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961 – View Map - Tom Smethurst – State Farm Insurance Agent
13061 Rosedale Hwy a – Bakersfield, CA 93314 – (661) 589-1991 – View Map - GEICO Insurance Agent
5550 California Ave #101 – Bakersfield, CA 93309 – (661) 431-1780 – View Map
Finding a good insurance agency shouldn’t rely on just a cheap quote. These questions are important to ask:
- Which companies can they place coverage with?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is there a 24/7 contact number?
- Does the agency have a positive business rating?
- Are they actively involved in the community?
If you receive good answers as well as a price you’re happy with, it’s possible that you found an insurance agent that meets your needs to properly insure your vehicles.
Three good reasons to insure your vehicle
Even though it’s not necessarily cheap to insure a Dodge in Bakersfield, insurance is required in California but it also protects you in many ways.
First, almost all states have mandatory insurance requirements which means you are required to carry specific limits of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your vehicle with a loan, most lenders will make it mandatory that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank or lender will purchase a policy for your Dodge for a much higher rate and make you pay for the expensive policy.
Third, insurance protects not only your Dodge but also your financial assets. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also covers legal expenses if someone files suit against you as the result of an accident. 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 buying insurance definitely exceed the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is overpaying more than $800 each year so you should quote your policy with other companies at least once a year to ensure rates are competitive.
A conclusion for your car insurance search
Insureds change insurance companies for any number of reasons including questionable increases in premium, denial of a claim, policy non-renewal or even delays in responding to claim requests. Whatever your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.
We just presented a lot of tips how to find lower-cost Dodge Nitro insurance in Bakersfield. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may even discover the most savings is with the smaller companies.
As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. In many cases, an insured dropped comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price, but do not skimp to save money.
Steps to finding cheaper Dodge Nitro insurance in Bakersfield
It takes a little time, but the best way to find low-cost prices for Dodge Nitro insurance in Bakersfield is to annually compare prices from companies who sell insurance in California.
- First, get a basic knowledge of policy coverages and the measures you can take to keep rates low. Many rating criteria that result in higher rates like careless driving and a less-than-favorable credit history can be controlled by making minor changes to your lifestyle.
- Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes from multiple companies. View rates
- Third, compare the new rate quotes to your existing rates and see if there is a cheaper rate in Bakersfield. If you find a lower rate and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, provide proper notification to your current company of your intent to cancel your existing policy and submit a completed policy application and payment to the newly selected company. Once received, keep your new proof of insurance paperwork in your glove compartment.
One thing to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on every price quote and and to look at as many auto insurance providers as possible. This ensures a level playing field and the best price selection.
More information is located below:
- Choosing a Car for Your Teen (State Farm)
- Who Has Cheap Bakersfield Car Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- How Much are Bakersfield Car Insurance Quotes for 18 Year Olds? (FAQ)
- Who Has Affordable Car Insurance Quotes for Business Use in Bakersfield? (FAQ)
- Who Has Affordable Car Insurance for Welfare Recipients in Bakersfield? (FAQ)
- Child Safety Seats (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)
- Airbag FAQ (iihs.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)