How Much Does 2013 Dodge Dart Insurance Cost?

Wish you could get out of an expensive auto insurance policy? It’s a common feeling and you’re not the only one. With drivers having so many choices, it is very difficult to locate the most affordable insurer.

Finding affordable coverage is not rocket science. If you currently have car insurance, you should be able to cut costs considerably using these tips. Drivers only need an understanding of the most efficient way to compare price quotes over the internet.

Verify you’re earning every discount

Auto insurance is neither fun to buy or cheap, but there could be available discounts that could help you make your next renewal payment. Certain credits will be shown at the time you complete a quote, but lesser-known reductions have to be requested specifically before you get the savings.

  • Multiple Policy Discount – If you have multiple policies with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
  • Save with a New Car – Insuring a new car may earn a small discount because newer vehicles have to meet stringent safety requirements.
  • Data Collection Discounts – Drivers that enable their auto insurance company to look at where and when they drive by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
  • Discounts for Multiple Vehicles – Having primary and secondary vehicles on one policy may reduce the rate for each vehicle.
  • Early Signing – Select auto insurance companies give a discount for buying a policy before your current coverage expires. It could save around 10% when you buy car insurance online.
  • Organization Discounts – Participating in certain professional organizations could trigger savings on your policy.
  • Life Insurance – Some insurance companies give a lower rate if you buy life insurance from them.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Large auto insurance companies and the discounts they provide are included below.

  • Esurance may include discounts for defensive driver, multi-car, Switch & Save, claim free, and multi-policy.
  • The Hartford offers discounts including good student, bundle, vehicle fuel type, anti-theft, driver training, and air bag.
  • AAA discounts include good driver, good student, education and occupation, multi-car, anti-theft, and AAA membership discount.
  • GEICO may have discounts that include military active duty, driver training, federal employee, good student, and membership and employees.
  • State Farm offers discounts for multiple autos, anti-theft, multiple policy, Drive Safe & Save, Steer Clear safe driver discount, and defensive driving training.

If you need cheap car insurance quotes, ask every company which discounts can lower your rates. Some credits might not be offered in your area. To find companies that offer some of these discounts, click this link.

When should I discuss my situation with an agent?

When it comes to buying coverage for your vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can help discover if you would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Do I need motorclub coverage?
  • Does car insurance cover theft of personal property?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Save $402 a year? Really?

Consumers can’t avoid all the ads that claim the best premium rates by companies like Progressive, GEICO, Allstate and State Farm. They all tend to make the same promise that you can save just by moving to them.

How does every company make the same claim? Here is how they do it.

Many companies have specific characteristics for the driver that earns them the highest profit. For example, a profitable insured should be over the age of 45, carries full coverage, and chooses high deductibles. Anyone who meets those qualifications will get a cheap rate quote and therefore will save when switching.

People who are not a match for the ideal profile will see a higher rate and this can result in the customer not buying. If you pay attention, the ads say “customers who switch” not “everybody who quotes” can save as much as they claim. That’s the way insurance companies can make claims like that. Because each company has a different risk profile, you absolutely need to quote coverage with many companies. It is impossible to guess the company that will have better car insurance rates than you’re paying now.

Car insurance coverages explained

Learning about specific coverages of car insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average car insurance policy.

Comprehensive car insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, damage from a tornado or hurricane and falling objects. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as nursing services, X-ray expenses, doctor visits and chiropractic care. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This coverage can cover damage that occurs to a person or their property. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, medical services and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Auto collision coverage

Collision insurance will pay to fix damage to your Dart from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, rolling your car, sustaining damage from a pot hole, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Dodge Dart.

Since many 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 should not be overlooked.

Be a penny pincher

When you buy car insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your aim should be to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

In this article, we covered many ideas to save on 2013 Dodge Dart insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the best rates are with some of the smallest insurance companies. Regional companies often have lower car insurance rates on specific markets as compared to the big name companies such as State Farm or Progressive.

More affordable insurance coverage is possible on the web as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and many times these small insurance companies sell through independent insurance agencies.

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