View 2014 Dodge Dart Insurance Cost

Searching for better insurance prices for a Dodge Dart can turn out to be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to buy insurance so we’re going to tell you the quickest way to get price quotes on a Dodge and obtain the cheapest rates from both online companies and local agents.

Get cheap rates with these discounts

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be specially asked for in order for you to get them.

  • E-sign – A few insurance companies may give you up to $50 just for signing your application digitally online.
  • College Student – Kids who are attending college and leave their car at home could get you a discount.
  • Cautious Driver Discounts – Drivers who don’t get into accidents can pay as much as 50% less on Dart coverage compared to accident prone drivers.
  • Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies permit an accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Membership in Organizations – Joining specific professional or occupational memberships or organizations could trigger savings when shopping for auto insurance.

It’s important to understand that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A few of the larger companies and their offered discounts are outlined below.

  • Progressive offers discounts for online signing, online quote discount, multi-vehicle, homeowner, continuous coverage, multi-policy, and good student.
  • The Hartford has savings for vehicle fuel type, driver training, good student, bundle, and anti-theft.
  • Mercury Insurance discounts include anti-theft, type of vehicle, age of vehicle, professional/association, and good driver.
  • GEICO may offer discounts for anti-theft, driver training, air bags, federal employee, daytime running lights, anti-lock brakes, and seat belt use.
  • AAA has discounts for good driver, good student, AAA membership discount, education and occupation, and pay-in-full.
  • State Farm may have discounts that include safe vehicle, good driver, defensive driving training, Steer Clear safe driver discount, and Drive Safe & Save.

When getting free insurance coverage quotes, it’s a good idea to every company to apply every possible discount. Some credits may not be offered everywhere. If you would like to choose from a list of auto insurance companies that provide some of the discounts listed above, click here to view.

Cut insurance costs with these tips

Part of the insurance buying process is learning some of the things that are used to determine the rates you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find much lower annual insurance costs.

  • Excellent credit scores equal low rates – A driver’s credit score is likely to be a major factor in calculating your premium rate. If your credit score leaves room for improvement, you could pay less to insure your 2014 Dodge Dart if you clean up your credit. People with excellent credit scores tend to file fewer claims than drivers who have bad credit.
  • Rental and towing coverage may not be needed – Insurance policies have a lot of extra coverages that you can get tricked into buying if you aren’t diligent. Insurance for rental car reimbursement, better glass coverage, and motor club memberships could be just wasting money. They may seem good when discussing your needs, but if you’ve never needed them in the past remove them from your policy.
  • Rates impacted by vehicle usage – Driving a lot of miles in a year the more you’ll pay to insure it. A lot of companies charge to insure your cars based upon how you use the vehicle. Autos left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your insurance policy reflects the correct usage for each vehicle, because it can save money. An incorrectly rated Dart is throwing money out the window.
  • Pay lower costs if you’re married – Your spouse can get you a discount when buying insurance. Marriage means you’re more mature and responsible and insurance companies reward insureds because married drivers get in fewer accidents.
  • Five star crash test rating saves money – Vehicles with high crash test scores cost less to insure. These vehicles reduce occupant injuries and lower rates of occupant injuries means less money paid by your insurance company and thus lower rates. If the Dodge Dart has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Never have policy lapses – Going without insurance will be a quick way to increase your insurance rates. And not only will your rates increase, failure to provide proof of insurance could earn you a steep fine or even jail time.
  • Bad drivers pay high rates – Your driving record impacts premiums far more than you think. Drivers with clean records get better rates than their less careful counterparts. Just one driving citation can bump up the cost to the point where it’s not affordable. Drivers who have severe tickets such as reckless driving or DUI may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.

Insurance coverage can be complex

When it comes to choosing adequate coverage, there really is no one size fits all plan. Every situation is different.

Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is UM/UIM insurance?
  • When does my teenage driver need to be added to my policy?
  • Do I need more liability coverage?
  • What is roadside assistance coverage?
  • Is pleasure use cheaper than using my 2014 Dodge Dart to commute?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Big brands don’t always mean big savings

Drivers can’t avoid all the ads that promise big savings from companies such as Allstate, GEICO and Progressive. They all advertise claims that you can save if you move your policy.

How do they all save you money? It’s all in the wording.

Different companies have strict underwriting profiles for the type of driver that earns them the most money. A good example of a profitable risk profile may be a mature driver, carries high limits, and drives less than 7,500 miles a year. A driver who meets those qualifications gets the lowest rates and will also save if they switch.

Drivers who don’t measure up to the “perfect” profile may be forced to pay higher premium rates which results in the driver buying from a lower-cost company. The trick is to say “drivers that switch” not “everybody who quotes” save that much. This is how companies can truthfully advertise the way they do.

This emphasizes why it’s extremely important to get as many free insurance coverage quotes as possible. Because you never know the company that will give you lower rates than your current company.

Learn about auto insurance coverages for a Dodge Dart

Learning about specific coverages of a auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Medical expense coverage – Med pay and PIP coverage kick in for immediate expenses for hospital visits, pain medications, chiropractic care, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

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

Collision coverage protects against claims like driving through your garage door, rolling your car, crashing into a building, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive protection – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from flooding, damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Dodge Dart.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Liability auto insurance – This provides protection from damage that occurs to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as funeral expenses, pain and suffering, medical expenses, repair costs for stationary objects and court costs. How much coverage you buy is up to you, but you should buy as large an amount as possible.

One last thing about your coverage

Cheaper 2014 Dodge Dart insurance can be sourced on the web as well as from insurance agents, and you need to comparison shop both to have the best selection. Some car insurance companies do not provide the ability to get quotes online and most of the time these regional insurance providers only sell through independent agents.

When you buy insurance coverage online, make sure you don’t reduce coverage to reduce premium. In many instances, an insured dropped comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost.

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, policy non-renewal and delays in paying claims. No matter why you want to switch, switching car insurance companies can be less work than you think.

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