Save Money on Dodge Nitro Insurance in San Francisco

It’s safe to assume that insurance companies don’t want you comparing rates. Consumers who compare other rates are inclined to buy a new policy because they stand a good chance of finding more affordable rates. A recent car insurance study discovered that consumers who compared rates annually saved about $3,400 over four years compared to those who never shopped around for cheaper prices.

If finding the best price on Dodge Nitro insurance in San Francisco is the reason for your visit, knowing how to get price quotes and compare cheaper coverage can help you be more efficient.

It takes a few minutes, but the best way to get the cheapest auto insurance rates is to start doing a yearly price comparison from providers who can sell car insurance in San Francisco. Price quotes can be compared by following these steps.

• First, take a little time to learn about the different coverages in a policy and the changes you can make to prevent expensive coverage. Many policy risk factors that are responsible for high rates like accidents, traffic violations, and a not-so-good credit history can be controlled by improving your driving habits or financial responsibility. This article gives tips to help keep prices low and get bigger discounts that may have been overlooked.
• Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Allstate, while agents who are independent can provide prices from multiple insurance companies.
• Third, compare the new rate quotes to the premium of your current policy to determine if switching companies saves money. If you can save some money and buy the policy, make sure coverage does not lapse between policies.

The key aspect of shopping around is to use similar coverage information on each price quote and and to analyze as many companies as you can. Doing this provides an apples-to-apples comparison and a better comparison of the market.

If you have a current insurance policy or need new coverage, use these techniques to get lower rates without having to cut coverage. This article’s goal is to teach you a little about how to compare rates easily and also save some money in the process Drivers just have to use the tricks to buy insurance instantly.

Best Dodge Nitro insurance rate quotes in California

The companies shown below can provide comparison quotes in San Francisco, CA. If multiple providers are shown, it’s a good idea that you compare several of them to get the best price comparison.

Data for Dodge Nitro insurance

The rate table shown next showcases a range of insurance prices for Dodge Nitro models. Understanding how insurance rates are established can benefit drivers when making smart buying decisions.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price information does not factor in garaging location in San Francisco which can modify rates significantly.

Analysis of deductible levels

One common question asked by San Francisco drivers is where to set your physical damage deductibles. The figures shown below outline the difference in cost between low and high comp and collision deductibles. The first table uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can affect premium rates considerably.

Based on the figures above, using a $250 deductible could cost the average driver approximately $30 more each month or $360 each year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 25 months between claim filings, you would save money if you choose a higher deductible.

Score discounts on San Francisco auto insurance

Car insurance can cost a lot, but you might be missing out on some discounts that can help lower your rates. Certain discounts will be applied when you quote, but less common discounts must be asked about before you will receive the discount.

• Theft Deterrent System – Cars, trucks, and SUVs with anti-theft systems help deter theft and that can save you a little bit as well.
• Driving Data Discount – Drivers who elect to allow driving data submission to track driving manner through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if their driving habits are good.
• Active Military Service – Having a deployed family member can result in better prices.
• Discounts for New Vehicles – Adding a new car to your policy is cheaper since new model year vehicles have better safety ratings.
• Defensive Driver – Taking part in a defensive driver class could earn you a small percentage discount and make you a better driver.
• Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes are much safer to drive and qualify for as much as a 10% discount.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.
• Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% but check with your company.
• Accident Forgiveness Coverage – Not a discount per se, but companies like Allstate and Progressive will let one accident slide without raising rates if you are claim-free prior to being involved in the accident.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.

It’s important to note that most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

The illustration below illustrates the difference between Dodge Nitro insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, claim-free, multi-car, and multi-policy discounts applied.

To choose providers who offer auto insurance discounts in San Francisco, click this link.

Do I need a local insurance agent?

Many drivers just want to get professional advice from a licensed agent and that is a smart decision Professional insurance agents can make sure you are properly covered and give you someone to call. One of the great benefits of getting online price quotes is the fact that drivers can get the best rates and still buy from a local agent. And buying from local agencies is important particularly in San Francisco.

For easy comparison, once you complete this short form, the quote information is transmitted to companies in San Francisco that can give you free San Francisco car insurance quotes to get your business. You won’t need to search for any insurance agencies because quoted prices will be sent to you directly. If you want to get a price quote from a specific insurance company, don’t hesitate to go to their quote page and complete a quote there.

Pick the best auto insurance agent in San Francisco for you

If you are wanting to find a good insurance agency, it’s helpful to know the types of agencies and how they operate. Car insurance agents can be categorized as either exclusive or independent agents depending on their company appointments. Either can sell affordable car insurance policies, but it’s worth mentioning how they differ because it may have an impact on buying decisions.

Independent Agents (or Brokers)

These agents are not limited to a single company and that gives them the ability to insure through many companies and get the cheapest rates. If you want to switch companies, an independent agent can move your coverage and that require little work on your part. If you are comparing rate quotes, it’s recommended you include multiple independent agents in order to have the best price comparison. A lot of them also have access to less well-known companies that can offer cheaper rates than bigger companies.

Shown below are San Francisco independent insurance agents who may be able to give you comparison quotes.

• Primeras Insurance Agency
  3339 23rd St – San Francisco, CA 94108 – (415) 829-7312 – View Map
• Scarborough Insurance Agency
  329 Bryant St – San Francisco, CA 94107 – (415) 371-1398 – View Map
• April Insurance Agency
  1788 19th Ave – San Francisco, CA 94122 – (415) 242-8100 – View Map

More insurance agents

Exclusive Insurance Agencies

Agents that elect to be exclusive write business for a single company and examples are Allstate, Farmers Insurance or State Farm. They generally cannot provide other company’s prices so they really need to provide good service. These agents are trained well on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to buy insurance from these agents mainly due to the prominent brand name and solid financial strength.

Listed below is a short list of exclusive insurance agents in San Francisco that are able to give comparison quotes.

• Darlene Chow – State Farm Insurance Agent
  206 Spear St – San Francisco, CA 94105 – (415) 441-1119 – View Map
• Ron Burks – State Farm Insurance Agent
  220 Montgomery St #480 – San Francisco, CA 94104 – (415) 397-2994 – View Map
• Tiffany Won – State Farm Insurance Agent
  1250 Missouri St Unit 305 – San Francisco, CA 94107 – (415) 872-5734 – View Map

More insurance agents

Picking the best auto insurance agent needs to be determined by more than just a low price. Any good agent in San Francisco should know the answers to these questions.

• Is working in the agency their full-time job?
• Does the agency have a current Errors and Omissions policy?
• Where would your vehicle be repaired?
• Will you work with the agent or an assistant?
• Do they prorate repair cost based on vehicle mileage?
• How much training do they have in personal risk management?
• Do they have 24-hour customer assistance?

Cover all your bases

In this article, we covered some good ideas how you can lower your Dodge Nitro insurance car insurance rates in San Francisco. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates come from a company that doesn’t do a lot of advertising.

Discount Dodge Nitro insurance in San Francisco can be found on the web and with local San Francisco insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies do not offer online rate quotes and many times these smaller companies only sell coverage through independent agencies.

Consumers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, not issuing a premium refund and even policy cancellation. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

More detailed auto insurance information can be read in these articles:

• Teen Driving and Texting (State Farm)
• How Much are Auto Insurance Rates for Drivers with Bad Credit in San Francisco? (FAQ)
• Who Has Affordable San Francisco Auto Insurance for Real Estate Agents? (FAQ)
• Who Has Cheap San Francisco Auto Insurance for Hybrid Vehicles? (FAQ)
• How Much is San Francisco Car Insurance for Drivers Under 21? (FAQ)
• Who Has Affordable San Francisco Car Insurance Quotes for Unemployed Drivers? (FAQ)
• Booster Seat Ratings (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Tread Depth and Tire Safety (State Farm)