2014 Dodge Dart Insurance Rates

Want lower car insurance rates for your Dodge Dart? Trying to find low-cost insurance for a Dodge Dart can be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are both good and bad ways to compare car insurance rates and you need to know the proper way to compare rates for your Dodge and get the lowest price either online or from local insurance agents.

It’s a good idea to compare rates occasionally because rates are constantly changing. Even if you got the best deal on Dart insurance six months ago you will most likely find a better rate today. Ignore everything you know about car insurance because you’re about to find out the proper way to find the best coverage while lowering your premiums.

Choosing the best insurance company for you is not rocket science. If you have a current car insurance policy or need new coverage, you can use these techniques to reduce the price you pay and still get good coverage. Consumers just need to understand how to shop for car insurance online.

Best discounts on 2014 Dodge Dart coverage

Companies offering auto insurance do not advertise every available discount very clearly, so the following is a list of both well-publicized as well as the least known ways to save on car insurance. If you’re not getting every credit possible, you are throwing money away.

  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Senior Discount – Mature drivers may receive better car insurance rates on Dart insurance.
  • Multi-policy Discount – If you have multiple policies with one company you will save at least 10% off all policies.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save up to 15% off your medical payments premium.
  • Defensive Driver – Completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • One Accident Forgiven – A few companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Homeowners Savings – Simply owning a home can save you money because owning a home shows financial diligence.
  • Club Memberships – Belonging to certain professional organizations could trigger savings on your policy on Dart insurance.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

Insurance companies that possibly offer these discounts include:

Check with each company how you can save money. All car insurance discounts might not be offered in every state.

Insurance Comparison Rates

Cutting your insurance rates is actually quite simple. The only thing you need to do is take time comparing rate quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form eliminates the need for separate quotes to each individual insurance company. One simple form will get you rate comparisons from multiple companies. Just one form and you’re done.
  2. A less efficient way to compare prices requires you to visit each company website to request a price quote. For examples sake, we’ll assume you want to compare rates from State Farm, 21st Century and Liberty Mutual. You would have to visit each site to input your insurance information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage information with each company. If you are comparing different limits and deductibles on each one you will not be able to determine the lowest rate for your Dodge Dart.

Your Dodge Dart insurance rate is a complex equation

Consumers need to have an understanding of the factors that help determine the price you pay for car insurance. Understanding what influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

  • One company can mean more discounts – Some companies give discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Traffic violations increase rates – Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Even a single ticket may increase your cost by as much as thirty percent. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Pleasure use saves money – The higher the mileage driven in a year’s time the higher your rates will be. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates than those used for commuting. Improper usage on your Dart can result in significantly higher rates. Double check that your car insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.
  • Better credit means lower rates – A driver’s credit score is a huge factor in your rate calculation. If your credit score is lower than you’d like, you could save money insuring your 2014 Dodge Dart by improving your credit score. People with high credit ratings tend to be more responsible as compared to drivers with poor credit.
  • Protect yourself with liability coverage – Liability insurance is the coverage that protects you in the event that a court rules you are at fault for damages from an accident. Liability insurance provides for a legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not skimp.
  • Where you live is a factor – Residing in small towns and rural areas has it’s advantages when insuring your vehicles. Fewer people means a lower chance of having an accident and a lower car theft rate. City drivers regularly have congested traffic and longer commute times. Higher commute times means higher likelihood of an accident.
  • Adjust deductibles and save – Deductibles for physical damage represent how much money you are required to spend out-of-pocket before your car insurance pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered would be colliding with a building, vandalism, or theft. The more expense the insured has to pay upfront, the less your company will charge you for insurance on Dart insurance.
  • Pay less after the wedding – Getting married actually saves money on car insurance. Having a spouse usually means you are more mature than a single person and it’s proven that married couples file fewer claims.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Each situation is unique.

For instance, these questions can aid in determining if your insurance needs may require specific advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Does insurance cover tools stolen from my truck?
  • Is my ex-spouse still covered by my policy?
  • Why am I required to get a high-risk car insurance policy?
  • What vehicles should carry emergency assistance coverage?
  • Should I have combined single limit or split liability limits?
  • Can I afford to pay high deductible claims out of pocket?
  • When should I remove comp and collision on my 2014 Dodge Dart?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

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

Consumers get pounded daily by advertisements for car insurance savings from the likes of Progressive, Allstate and Geico. All the ads have a common claim that you can save after switching your coverage to them.

How can each company claim to save you money? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a desirable insured could be over the age of 40, has no prior claims, and has a high credit rating. A propective insured who fits that profile receives the best rates and most likely will save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile must pay a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can advertise the way they do. This illustrates why you absolutely need to quote coverage with many companies. Because you never know the company that will give you the biggest savings on Dodge Dart insurance.

Parts of your insurance policy

Learning about specific coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Liability auto insurance

This provides protection from damage that occurs to other people or property by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like emergency aid, legal defense fees, structural damage, pain and suffering and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your Dart resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as 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. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as chiropractic care, nursing services, EMT expenses, dental work and funeral costs. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, vandalism, damage from getting keyed, a broken windshield and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be Smart and Buy Smart

People change insurance companies for many reasons like delays in responding to claim requests, policy non-renewal, poor customer service or even unfair underwriting practices. It doesn’t matter what your reason, finding the right insurance coverage provider is not as difficult as it may seem.

We covered many ideas to shop for 2014 Dodge Dart insurance online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest premiums are with some of the smallest insurance companies.

As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

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