Best Ways to Save on Milwaukee Dodge Nitro Insurance

Do you want to learn to get cheaper Dodge Nitro insurance in Milwaukee? If you’re looking for lower-priced insurance online, are you confused by the sheer number of car insurance sources that you can choose from? There are such a large number of options that it can easily turn into a difficult challenge to compare prices on Dodge Nitro insurance. Everyone knows that Milwaukee has many things to offer, but high car insurance premiums can make it impossible to meet other financial obligations.

A study showed that almost 70% of drivers in Wisconsin kept their policy with the same company for at least four years, and virtually 40% of consumers have never even compared quotes to find cheaper rates. Many consumers in America could save an average of as much as 46.5% each year just by shopping around, but they don’t want to take the time to save money by comparing rate quotes.

If you are already insured, you will definitely be able to get lower rates using these methods. Our objective in writing this article is to teach you the best way to quote coverages. Although Wisconsin drivers can benefit from knowing how big insurance companies determine prices and apply this information to your search.

Companies offering Dodge Nitro insurance in Milwaukee

The providers in the list below provide price comparisons in Wisconsin. If several companies are displayed, we recommend you compare several of them in order to get a fair rate comparison.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific zip code location which can lower or raise insurance rates noticeably.

Analysis of deductible levels

One common question asked by Milwaukee drivers is where should you set your physical damage deductibles. The tables below sum up how much more rates are when you buy lower versus higher physical damage deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific location information which can affect insurance rates noticeably.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $22 more each month or $264 every year than buying the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 41 months between claims, you would save money by going with a higher deductible.

Deductible comparison

The diagram below demonstrates how deductible levels and can affect Dodge Nitro annual premium costs for different age groups. The premiums assume a married male driver, full physical damage coverage, and no discounts are factored in.

How to Lower Your Insurance Prices

Lots of things are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving record, although some other factors are less apparent like where you live or how financially stable you are. The best way to find cheaper insurance is to take a look at some of the factors that help calculate your premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

• Save by driving less – The higher the mileage driven in a year the more it will cost to insure it. Almost all companies charge rates based upon how much you drive. Vehicles that have low annual miles can be on a lower rate level than vehicles that are driven to work every day. Having an incorrect usage rating on your Nitro may be wasting your money. Verify your insurance policy correctly shows the correct usage, because improper ratings can cost you money.
• Good drivers pay less – Having a clean driving record influences premium rates substantially. Having a single ticket can increase the cost of insurance by as much as twenty percent. Good drivers pay less for auto insurance compared to bad drivers. Drivers who have received dangerous tickets such as reckless driving or DUI may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
• Occupation and insurance premiums – Did you know your career choice can influence rates? Careers such as military generals, executives and medical professionals generally have higher premium rates because of stressful work requirements and extremely grueling work hours. Other careers like actors, students and the unemployed receive lower rates.
• Single drivers may pay more – Your spouse may save some money compared to being single. Having a significant other may mean you are more financially stable and it’s statistically proven that married couples file fewer claims.
• Do you need those extra coverages? – Policies have optional add-on coverages that you can buy if you don’t pay attention. Coverages like rental car reimbursement, towing, and membership fees may be wasting your money. They may seem like a good idea at first, but your needs may have changed so get rid of them and save.

Cheaper Milwaukee auto insurance rates with discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts to reduce the price significantly. A few discounts will automatically apply at quote time, but once in a while a discount must be inquired about prior to getting the savings.

• ABS Braking Discount – Cars that have steering control and anti-lock brakes can stop better under adverse conditions so companies give up to a 10% discount.
• Multi-car Discount – Having several vehicles on one policy can reduce the rates for all insured vehicles.
• New Vehicle Savings – Insuring a new Nitro can save you some money because new vehicles have to meet stringent safety requirements.
• Seat Belts Save – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Professional Memberships – Being in a civic or occupational organization in Milwaukee could qualify you for a break on auto insurance.

One last thing about discounts, many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

Companies and their offered discounts are detailed below.

• Farm Bureau discounts include youthful driver, safe driver, multi-policy, renewal discount, and 55 and retired.
• State Farm includes discounts for accident-free, driver’s education, passive restraint, Steer Clear safe driver discount, student away at school, and anti-theft.
• Progressive offers discounts including continuous coverage, multi-policy, online signing, multi-vehicle, homeowner, good student, and online quote discount.
• Allstate may offer discounts for farm vehicle, FullPay discount, EZ pay plan discount, eSmart discount, safe driver, good payer, and new car.
• Nationwide has discounts for anti-theft, Farm Bureau membership, business or organization, easy pay, and accident-free.
• MetLife may have discounts that include good student, good driver, defensive driver, multi-policy, claim-free, accident-free

Check with all the companies what discounts are available to you. Some discounts may not apply to policies in Milwaukee.

Compare rate quotes but still have a local Milwaukee insurance agent

Many drivers prefer to go talk to an agent and that is a personal choice. The best thing about comparing rate quotes online is that you can obtain cheap rate quotes but still work with a licensed agent. Buying insurance from neighborhood agents is still important in Milwaukee.

After completing this form (opens in new window), your coverage information is immediately sent to insurance agents in Milwaukee who will return price quotes and help you find cheaper coverage. You won’t need to find an agent on your own as quotes are delivered instantly to you. It’s the lowest rates without the usual hassles of price shopping. If you wish to get a comparison quote from a particular provider, you can always go to their quote page and complete a quote there.

If you prefer to buy insurance from local Milwaukee agents, it can be helpful to understand the different types of agencies and how they function. Agencies in Milwaukee are either independent or exclusive depending on the company they work for.

Independent Insurance Agents

Independent agencies are normally appointed by many insurers so they can insure your vehicles through lots of different companies and find you the best rates. If premiums increase, they simply move your policy to a different company and that require little work on your part. When comparing rate quotes, we recommend you get several quotes from at a minimum one independent agency to have the most options to choose from. Many can place coverage with additional companies that you may not be familiar with that may have much lower rates than larger companies.

Listed below is a small list of independent insurance agencies in Milwaukee who may be able to give you pricing information.

• Adams Insurance Service Inc
  11046 W Bluemound Rd – Milwaukee, WI 53226 – (414) 257-2070 – View Map
• Frank Medina Insurance WI
  342 N Water St Ste 600 – Milwaukee, WI 53202 – (414) 877-0777 – View Map
• See Insurance
  4680 W Bradley Rd #203 – Milwaukee, WI 53223 – (414) 355-5433 – View Map

View more agents

Exclusive Insurance Agents

Exclusive agencies are contracted to one company and examples are State Farm, AAA, and Liberty Mutual. They generally cannot compare other company’s rates so you might not find the best rates. These agents are trained well on what they offer and that allows them to sell at a higher price point. Many people buy from exclusive agents partially due to the brand instead of buying on price only.

Below are Milwaukee exclusive agencies who can help you get price quote information.

• American Family Insurance – Derold Barker
  2215 E North Ave #1 – Milwaukee, WI 53202 – (414) 332-8350 – View Map
• Diana Kostal – State Farm Insurance Agent
  1410 E Capitol Dr – Milwaukee, WI 53211 – (414) 964-8680 – View Map
• American Family Insurance – Sherry Watson
  930 E Knapp St Ste 1 – Milwaukee, WI 53202 – (414) 277-7772 – View Map

View more agents

Finding the right insurance agency should include more criteria than just a low price. Before buying a policy in Milwaukee, get answers to these questions.

• Does the agency support the community they serve?
• Which company do they place the most coverage with?
• Is every driver in your family covered?
• Does the company have a solid financial rating?
• Is the quote a firm price?

Buyer beware of car insurance advertising tricks

Well-known car insurance companies like Allstate, GEICO and Progressive continually stream ads on TV and radio. They all convey the message of big savings just by moving to their company. How does each company charge lower premium rates? It’s all in the wording.

Insurance companies look for specific characteristics for the right customer that will most likely be profitable. One example of this type of risk profile might have to be between the ages of 40 and 55, has no prior claims, and has great credit. Anyone that hits that “sweet spot” is entitled to the best price and will also cut their rates substantially.

Potential insureds who may not quite match this ideal profile will be charged higher rates which leads to the driver buying from a lower-cost company. The trick is to say “drivers who switch” not “everyone that quotes” save that much money. That’s the way companies can truthfully make it sound like they have such great premium rates.

Different companies use different criteria so you really should quote coverage with many companies. It’s impossible to know the company that will fit you best based on your risk profile.

Find affordable insurance rates by comparing often

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where someone dropped comprehensive coverage or liability limits only to discover later that it was a big error on their part. The ultimate goal is to buy enough coverage at an affordable rate.

Insureds who switch companies do it for many reasons like questionable increases in premium, high prices, policy cancellation and even high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new company is not as difficult as it may seem.

Cheaper insurance in Milwaukee is possible on the web and with local Milwaukee insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers do not offer rate quotes online and these regional carriers work with independent agencies.

More tips and info about insurance can be read at these sites:

• Steps to Take After an Auto Accident (Insurance Information Institute)
• Who Has Cheap Auto Insurance for a Nissan Altima in Milwaukee? (FAQ)
• Who Has Cheap Auto Insurance for Hybrid Vehicles in Milwaukee? (FAQ)
• Who Has the Cheapest Car Insurance Rates for College Graduates in Milwaukee? (FAQ)
• Who Has Affordable Auto Insurance Quotes for Active Military in Milwaukee? (FAQ)
• How Much is Milwaukee Auto Insurance for a Toyota Highlander? (FAQ)
• What is Full Coverage? (Allstate)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Child Safety FAQ (iihs.org)