Save on 2015 Dodge Dart Car Insurance Rates

Drivers have many options when trying to find the lowest priced Dodge Dart insurance. You can either spend your time driving around getting price quotes or utilize the internet to find the lowest rates. There is a right way and a wrong way to buy car insurance and you need to know the absolute fastest way to quote coverages for your Dodge and obtain the lowest possible price.

It’s a good idea to compare rates quite often since insurance rates trend upward over time. Despite the fact that you may have had the best price for Dart coverage a couple years back you will most likely find a better rate today. There is a lot of wrong information about car insurance online but I’m going to show you a lot of great tips on how to find affordable car insurance.

How to Compare Insurance Coverage

Getting a cheaper price on 2015 Dodge Dart insurance is not a difficult process. You just have to invest a few minutes to compare quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  • The recommended way to get quotes is to use a rate comparison form click to view form in new window. This easy form keeps you from doing boring form submissions to each individual insurance coverage company. A single form gets rate comparisons direct from many companies. Just one form and you’re done.
  • A different way to get quotes online is to take the time to go to each company’s website and request a quote. For examples sake, we’ll pretend you want comparison quotes from Auto-Owners, Progressive and Geico. To get each rate you have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

  • The least efficient way of getting rate comparisons is to spend your day driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you have a need for the personal advice of a local agent. You can, however, get the lowest quotes online but buy from a local insurance agent and we’ll cover that in a bit.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverage limits and deductibles for each price quote. If your comparisons have higher or lower deductibles it will be next to impossible to make an equal comparison.

Discounts to lower 2015 Dodge Dart insurance rates

Car insurance companies don’t list all available discounts in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount available, you are paying more than you should be.

  • Discount for Good Grades – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Early Signing – Select companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
  • Discount for New Cars – Adding a new car to your policy is cheaper due to better safety requirements for new cars.
  • No Charge for an Accident – A few companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.

Drivers should understand that most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

For a list of providers offering insurance coverage discounts, click here to view.

Tailor your coverage to you

When buying adequate coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your situation would benefit from professional advice.

  • How can I get my company to pay me more for my totalled car?
  • Should I buy full coverage?
  • Should I have a commercial auto policy?
  • How many claims can I have before being cancelled?
  • Is a blown tire covered by insurance?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Why your Dodge Dart might be costing you more

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for insurance coverage. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get lower insurance coverage prices.

The list below includes a few of the “ingredients” that factor into your rates.

  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, failure to provide proof of insurance will get you a license revocation or jail time.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Your stress level may be raising your rates – Occupations such as doctors, executives and accountants tend to pay higher rates than average because of high stress levels and lots of time spent at work. On the flip side, jobs such as farmers, athletes and the unemployed have the lowest average rates for Dart coverage.
  • More claims means more premium – Auto insurance companies award lower rates to insureds who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Car insurance is intended to be relied upon for the large, substantial claims.

Insurance coverages 101

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage

Collision coverage covers damage to your Dart from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for X-ray expenses, prosthetic devices, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, theft and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

Liability coverage will cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy 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 a limit of $50,000 paid for damaged property.

Liability can pay for things like pain and suffering, attorney fees, loss of income, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 2015 Dodge Dart.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

In any little way, save everyday

We just covered many ideas to lower your 2015 Dodge Dart insurance rates. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even find the best prices are with a lesser-known regional company.

Budget-conscious insurance can be found both online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced full coverage and learned later they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

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