Nobody I know looks forward to paying premiums for car insurance, particularly when it costs too dang much.
Statistics show that a large majority of drivers have stayed with the same insurance company for more than four years, and 38% of drivers have never compared rates with other companies. The average driver in Louisiana could pocket nearly $900 a year just by shopping around, but they just feel it’s too hard to shop around.
Steps to saving on Dodge Nitro insurance in New Orleans
If you want to find the absolute lowest rates, then the best way to find discount Dodge Nitro insurance is to compare quotes annually from different companies who can sell car insurance in New Orleans.
- Step 1: Try to learn about the different coverages in a policy and the things you can change to prevent expensive coverage. Many things that drive up the price like traffic citations and an unacceptable credit score can be rectified by paying attention to minor details. Continue reading for ideas to help keep rates affordable and earn a bigger discount.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from a single company like GEICO or State Farm, while agents who are independent can quote prices for many different companies.
- Step 3: Compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you can save money, ensure coverage does not lapse between policies.
The most important part of shopping around is that you’ll want to compare the same coverage limits and deductibles on every quote request and and to get quotes from as many companies as possible. Doing this ensures an accurate price comparison and a complete selection of prices.
Lots of insurers contend to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest price on Dodge Nitro insurance in New Orleans.
Get cheaper Dodge Nitro insurance in New Orleans with discounts
Car insurance is not cheap nor is it fun to buy but there are discounts available that you may not know about. A few discounts will automatically apply at the time you complete a quote, but a few need to be inquired about prior to getting the savings.
- Passenger Safety Discount – Factory options such as air bags or motorized seat belts can qualify for discounts of up to 25% or more.
- No Charge for an Accident – This isn’t a discount exactly, but companies like State Farm and Allstate will forgive one accident before raising your premiums if you have no claims prior to the accident.
- Senior Citizen Discount – Mature drivers could receive lower premium rates.
- More Vehicles More Savings – Drivers who insure several vehicles with the same company can reduce the rates for all insured vehicles.
- Onboard Data Collection – Insureds who allow their company to look at driving patterns by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.
- Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and will save you 10% or more on Nitro insurance in New Orleans.
- College Student – Older children who are attending college and do not take a car to college can receive lower rates.
- Save with a New Car – Putting insurance on a new Nitro may earn a small discount due to better safety requirements for newer vehicles.
- New Orleans Homeowners Pay Less – Just owning your own home can save you money because of the fact that having a home requires a higher level of personal finance.
Keep in mind that some of the credits will not apply to the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.
The illustration below illustrates the difference between Dodge Nitro auto insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no violations or accidents, Louisiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-policy, multi-car, and homeowner discounts applied.
The best car insurance companies and their offered discounts are:
- Progressive has savings for online signing, multi-policy, online quote discount, multi-vehicle, homeowner, and continuous coverage.
- The Hartford may have discounts that include vehicle fuel type, bundle, air bag, driver training, anti-theft, defensive driver, and good student.
- Mercury Insurance offers premium reductions for multi-policy, professional/association, location of vehicle, multi-car, and low natural disaster claims.
- GEICO may include discounts for membership and employees, military active duty, five-year accident-free, emergency military deployment, federal employee, and air bags.
- AAA policyholders can earn discounts including education and occupation, multi-car, multi-policy, AAA membership discount, anti-theft, good student, and pay-in-full.
- State Farm offers discounts for good student, accident-free, anti-theft, passive restraint, Drive Safe & Save, student away at school, and safe vehicle.
If you are trying to find inexpensive New Orleans car insurance quotes, ask every insurance company which credits you are entitled to. Some credits may not be offered in New Orleans.
Just keep in mind that comparing more prices gives you a better chance of getting more affordable rates.
The companies in the list below offer price quotes in Louisiana. If you want to find the best cheap car insurance in New Orleans, LA, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.
Coverage statistics and figures
The premium table displayed below showcases detailed analysis of prices for Dodge Nitro models. Being more informed about how insurance prices are established 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 | $290 | $400 | $688 | $40 | $206 | $1,624 | $135 |
| Nitro SE 2WD | $290 | $400 | $688 | $40 | $206 | $1,624 | $135 |
| Nitro SE 4WD | $332 | $400 | $688 | $40 | $206 | $1,666 | $139 |
| Nitro SXT 2WD | $332 | $400 | $688 | $40 | $206 | $1,666 | $139 |
| Nitro Heat 4WD | $332 | $400 | $688 | $40 | $206 | $1,666 | $139 |
| Nitro Detonator 2WD | $332 | $488 | $688 | $40 | $206 | $1,754 | $146 |
| Nitro SXT 4WD | $332 | $488 | $688 | $40 | $206 | $1,754 | $146 |
| Nitro Shock 2WD | $332 | $488 | $688 | $40 | $206 | $1,754 | $146 |
| Nitro Detonator 4WD | $332 | $488 | $688 | $40 | $206 | $1,754 | $146 |
| Nitro Shock 4WD | $376 | $488 | $688 | $40 | $206 | $1,798 | $150 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in New Orleans location which can modify insurance rates considerably.
Physical damage deductibles
A question often asked by New Orleans drivers is where to set your physical damage deductibles. The comparison tables below illustrate the rate difference of buying low and high coverage deductibles. The first rate quote example uses a $100 deductible for comp and collision 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 | $348 | $594 | $524 | $32 | $158 | $1,681 | $140 |
| Nitro SE 2WD | $348 | $594 | $524 | $32 | $158 | $1,681 | $140 |
| Nitro SE 4WD | $400 | $594 | $524 | $32 | $158 | $1,733 | $144 |
| Nitro SXT 2WD | $400 | $594 | $524 | $32 | $158 | $1,733 | $144 |
| Nitro Heat 4WD | $400 | $594 | $524 | $32 | $158 | $1,733 | $144 |
| Nitro Detonator 2WD | $400 | $722 | $524 | $32 | $158 | $1,861 | $155 |
| Nitro SXT 4WD | $400 | $722 | $524 | $32 | $158 | $1,861 | $155 |
| Nitro Shock 2WD | $400 | $722 | $524 | $32 | $158 | $1,861 | $155 |
| Nitro Detonator 4WD | $400 | $722 | $524 | $32 | $158 | $1,861 | $155 |
| Nitro Shock 4WD | $452 | $722 | $524 | $32 | $158 | $1,913 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Nitro Heat 2WD | $194 | $312 | $524 | $32 | $158 | $1,220 | $102 |
| Nitro SE 2WD | $194 | $312 | $524 | $32 | $158 | $1,220 | $102 |
| Nitro SE 4WD | $222 | $312 | $524 | $32 | $158 | $1,248 | $104 |
| Nitro SXT 2WD | $222 | $312 | $524 | $32 | $158 | $1,248 | $104 |
| Nitro Heat 4WD | $222 | $312 | $524 | $32 | $158 | $1,248 | $104 |
| Nitro Detonator 2WD | $222 | $380 | $524 | $32 | $158 | $1,316 | $110 |
| Nitro SXT 4WD | $222 | $380 | $524 | $32 | $158 | $1,316 | $110 |
| Nitro Shock 2WD | $222 | $380 | $524 | $32 | $158 | $1,316 | $110 |
| Nitro Detonator 4WD | $222 | $380 | $524 | $32 | $158 | $1,316 | $110 |
| Nitro Shock 4WD | $250 | $380 | $524 | $32 | $158 | $1,344 | $112 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Price information does not factor in garaging location in New Orleans which can change premium rates substantially.
We can estimate from the data above that using a $100 deductible will cost you approximately $42 more each month or $504 annually than quoting the higher $1,000 deductible. Because you would 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 a minimum 21 months between claim filings, you would probably save some money going with the higher deductible. Below is how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $149 |
| Average monthly premium for $1,000 deductibles (subtract): | – $107 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
An important thing to remember is that higher deductibles means you will have to pay more if you have a claim. You need some funds available in the event you need to pay more for the deductible.
The example below demonstrates how deductible levels and can raise or lower Dodge Nitro insurance costs for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
Lower Your New Orleans Insurance Rates
Many things are used in the calculation when premium rates are determined. A few of the factors are predictable like your driving record, but some are more obscure such as your credit history and annual miles driven.
The following are some of the factors auto insurance companies consider when setting your prices.
How’s your driving record? – Having just one citation may cause rates to rise by twenty percent. Attentive drivers get better rates than people who have multiple driving citations. Drivers who get serious tickets such as DUI or willful reckless driving may face state-mandated requirements to prove financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
The diagram below highlights how speeding tickets and accidents drive up Dodge Nitro insurance premiums for each age group. The rates are based on a single female driver, full coverage, $500 deductibles, and no discounts are factored in.
Do thieves like your car? – Selecting a car model that has an advanced theft prevention system can help bring down rates. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
City dwellers may pay more – Residing in smaller towns and rural areas of the country has definite advantages when buying auto insurance. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims. Urban drivers have more aggressive driving styles and a longer drive to work. Higher commute times statistically corresponds to a higher accident and claim rate.
High insurance claims frequency drives up rates – Car insurance companies in Louisiana provide cheaper rates to drivers who file claims infrequently. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
Decrease prices by maintaining coverage – Allowing your coverage to lapse will be a quick way to bump up your auto insurance costs. Not only will rates go up, not being able to provide proof of insurance could result in a revoked license or a big fine. Then you may be required to file a SR-22 with the Louisiana department of motor vehicles.
Male rates may be higher – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, don’t assume that men are WORSE drivers than women. Males and females have at-fault accidents in similar numbers, but men cause more damage. They also have more aggressive citations such as reckless driving.
The illustration below illustrates the comparison of Dodge Nitro insurance rates for male and female drivers. The data is based on no accidents or driving violations, full coverage, $500 deductibles, single status, and no discounts are applied to the premium.
How much car insurance do I need?
When it comes to the best car insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.
These are some specific questions can aid in determining whether or not you may require specific advice.
- How much liability do I need to cover my assets?
- Is pleasure use cheaper than using my Dodge Nitro to commute?
- Am I getting all the discounts available?
- Why am I required to buy high-risk coverage?
- Is business equipment covered while in my vehicle?
- What are the liability requirements in my state?
- Why am I required to buy liability insurance?
- Can I rent a car in Mexico?
- If my pet gets injured in an accident are they covered?
- Does medical payments coverage apply to all occupants?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.
When should I contact an agent?
Some people would prefer to talk to an insurance agent and there is nothing wrong with that. One of the benefits of comparing insurance prices online is you can get cheap rate quotes and also buy local. And providing support for neighborhood insurance agencies is especially important in New Orleans.
For easy comparison, once you complete this simple form, the coverage information is transmitted to participating agents in New Orleans who will give competitive quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your computer because prices are sent immediately to you. It’s the lowest rates AND a local agent. If for some reason you want to compare rates for a specific company, you just need to navigate to their website and submit a quote form there.
Choosing the best insurer shouldn’t rely on just a cheap price quote. These are some questions your agent should answer.
- Did they already check your driving record and credit reports?
- Do they get extra compensation for selling add-on coverages?
- How does the company pay claims for a total loss?
- Does the company use OEM repair parts?
- Which insurance companies are they affiliated with?
- Do the companies they represent have a solid financial rating?
- Do they carry Errors and Omissions coverage?
- Which insurance company do they prefer to write with?
If you feel you receive acceptable answers to all your questions and an acceptable price quote, you have narrowed it down to an insurance company that meets your needs to provide insurance coverage. Just be aware that you are able to cancel a policy whenever you wish so never feel that you’re stuck with a specific agent for the full term.
Car insurance is not optional
Despite the fact that car insurance is not cheap in New Orleans, insurance may be required for several reasons.
- Just about all states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability in order to drive the car legally. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Dodge, almost all lenders will make it mandatory that you have full coverage to guarantee payment of the loan. If you let the policy lapse, the bank or lender will purchase a policy for your Dodge at a significantly higher premium and require you to reimburse them much more than you were paying before.
- Car insurance preserves both your assets and your car. It will also reimburse you for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of carrying adequate insurance are without a doubt worth the cost, particularly when you have a large claim. Today the average American driver is overpaying more than $820 a year so compare rate quotes at least once a year to be sure current rates are still competitive.
New Orleans car insurance companies ranked
Finding the right insurer is hard considering how many companies provide coverage in New Orleans. The ranking data in the next section could help you pick which insurers you want to consider comparing price quotes from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
A little work can save a LOT of money
Throughout this article, we presented a lot of techniques to get a better price on Dodge Nitro insurance in New Orleans. The key concept to understand is the more providers you compare, the higher your chance of finding cheaper New Orleans car insurance quotes. Drivers may even discover the best price on insurance is with a small local company.
More affordable insurance in New Orleans can be sourced both online and also from your neighborhood New Orleans agents, so you need to quote New Orleans car insurance with both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and these smaller companies sell through independent insurance agents.
When shopping online for insurance, never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability limits or collision coverage to discover at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at the lowest possible cost.
Steps to finding low-cost rates for Dodge Nitro insurance in New Orleans
If you want to save money, the best way to find low-cost prices for car insurance rates in New Orleans is to compare prices regularly from companies who can sell car insurance in Louisiana.
- First, spend a few minutes and learn about how car insurance works and the measures you can control to keep rates in check. Many factors that cause rate increases like at-fault accidents, careless driving, and a bad credit rating can be amended by improving your driving habits or financial responsibility.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or State Farm, while independent agents can quote prices from multiple insurance companies. Click to view companies
- Third, compare the price quotes to the premium of your current policy and see if you can save money. If you can save money and decide to switch, verify that coverage does not lapse between policies.
- Fourth, provide written notification to your current company of your intent to cancel your existing policy. Submit a down payment along with a signed application to your new insurance company. When you receive it, keep the new proof of insurance certificate with the vehicle registration.
A good tip to remember is that you’ll want to make sure you compare similar coverage information on each price quote and and to get rate quotes from as many companies as possible. This enables a fair price comparison and a complete selection of prices.
Additional information is located on the following sites:
- What is Gap Insurance? (Insurance Information Institute)
- Who Has the Cheapest New Orleans Car Insurance Rates for a Learners Permit? (FAQ)
- What is the Cheapest Car Insurance in New Orleans, Louisiana? (FAQ)
- Who Has Affordable Car Insurance Rates for Immigrants in New Orleans? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Teen Driving Statistics (GEICO)