View 2013 Dodge Dart Insurance Quotes

Trying to find cheaper insurance rates for your Dodge Dart? If online insurance comparisons are new to you, you may be overwhelmed by the sheer number of online companies all offering big savings.

Smart consumers take time to do rate comparisons yearly due to the fact that insurance rates are variable and change quite frequently. Even if you got the lowest price for Dart insurance a year ago you can probably find a better price now. There is a lot of bad advice regarding insurance on the internet, so I’m going to show you some great ways to stop overpaying for insurance.

Dodge Dart premiums are determined by many factors

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for insurance. Knowing what influences your rates helps enable you to make changes that could result in big savings.

Listed below are a partial list of the pieces that factor into premiums.

  • Do men or women drive better? – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Women and men tend to get into accidents at a similar rate, but men tend to have more serious accidents. Men also receive more costly citations such as reckless driving.
  • Low deductibles can be expensive – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Dodge. A few examples of covered claims would be collision with another vehicle, damage caused by hail, and rolling your vehicle. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more money you have to pay, the bigger discount you will receive for Dart insurance.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • Having a spouse can save you money – Having a spouse can actually save you money when buying insurance. Having a spouse translates into being more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • How credit affects insurance rates – A driver’s credit rating is a important factor in calculating your insurance rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit score can use some improvement, you could pay less to insure your 2013 Dodge Dart by improving your credit score.

Don’t pay full price with these discounts

Auto insurance companies don’t necessarily list every available discount very well, so we took the time to find some of the best known as well as the least known ways to save on auto insurance.

  • New Vehicle Savings – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for Dart insurance with a few auto insurance companies.
  • Clubs and Organizations – Affiliation with a qualifying organization may earn a discount on auto insurance for Dart insurance.
  • Resident Student – Youth drivers living away from home attending college and don’t have a car can receive lower rates.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for Dart insurance than less cautious drivers.

It’s important to note that most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you could get a free auto insurance policy, you’re out of luck.

For a list of companies with the best auto insurance discounts, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm, Allstate and Geico continually stream ads on TV and radio. All the ads have a common claim about savings after switching to their company. How does each company make the same claim? This is how they do it.

All companies have a preferred profile for the driver they prefer to insure. For instance, a profitable customer might be a mature driver, has no prior claims, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will get very good rates and most likely will save when switching.

Drivers who are not a match for these standards must pay higher premiums and ends up with the customer not buying. The ads say “customers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can advertise the savings. This illustrates why it’s extremely important to quote coverage with many companies. Because you never know the company that will have the lowest Dodge Dart insurance rates.

Your personal situation dictates your coverage

When buying the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

  • What is the rate difference between pleasure use and commuting?
  • What is the difference between comprehensive and collision coverage?
  • When would I need additional glass coverage?
  • Who is covered by my policy?
  • Can I still get insurance after a DUI?
  • Why am I required to buy high-risk coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Coverage specifics

Understanding the coverages of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Auto liability insurance – Liability insurance will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like attorney fees, bail bonds and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Dodge Dart.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses for things like nursing services, rehabilitation expenses, dental work, pain medications and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, hitting a mailbox, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hail damage and fire damage. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Better coverage you can count on

The cheapest 2013 Dodge Dart insurance can be purchased from both online companies and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Throughout this article, we presented many ways to compare insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from the smaller companies.

People who switch companies do it for a number of reasons such as lack of trust in their agent, high prices, denial of a claim or even poor customer service. Regardless of your reason, finding a new insurance company is actually quite simple.

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