2015 Dodge Dart Insurance Quotes – 6 Savings Tips

Searching for lower insurance coverage rates for your Dodge Dart? Locating low-cost insurance for a Dodge Dart can normally be difficult, but you can use the following methods to make it easier.

There is a better way to find insurance coverage online so you’re going to learn the proper way to compare rates on a Dodge and get the best price possible from local insurance agents and online providers.

Cut your auto insurance rates with these six discounts

Car insurance can cost a lot, but you might find some hidden discounts that could help you make your next renewal payment. Some of these disounts will be visible when you purchase, but occassionally some discounts must be inquired about before you will receive the discount.

  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
  • Homeowners Savings – Owning a house may earn you a small savings since home ownership demonstrates responsibility.
  • Pay Now and Pay Less – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
  • Buy New and Save – Adding a new car to your policy can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
  • Early Signing – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Drivers Education – Have your child complete a driver education course if offered at their school.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Larger auto insurance companies and a summarized list of policyholder discounts can be found below.

  • GEICO has savings for defensive driver, military active duty, emergency military deployment, good student, and anti-theft.
  • USAA policyholders can earn discounts including annual mileage, defensive driver, safe driver, family discount, military installation, and vehicle storage.
  • Progressive may have discounts that include online quote discount, homeowner, multi-policy, good student, online signing, continuous coverage, and multi-vehicle.
  • American Family offers premium reductions for air bags, good student, good driver, defensive driver, early bird, bundled insurance, and accident-free.
  • Esurance offers discounts including emergency road assistance, anti-theft, DriveSense, Switch & Save, and safety device.
  • Farmers Insurance offers discounts for early shopping, bundle discounts, business and professional, distant student, homeowner, and multi-car.
  • State Farm may include discounts for Steer Clear safe driver discount, safe vehicle, defensive driving training, anti-theft, driver’s education, and passive restraint.

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering the best way to save money. Some discounts listed above might not be offered in your area. To find insurance companies who offer free auto insurance quotes, follow this link.

You are unique and your insurance coverage should be too

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • When should I drop full coverage on my 2015 Dodge Dart?
  • Is rental equipment covered for theft or damage?
  • When can my company non-renew my policy?
  • I have health insurance so do I need medical payments coverage?
  • Does insurance cover tools stolen from my truck?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your insurance policy

Having a good grasp of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision protection

Collision coverage pays for damage to your Dart resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like colliding with another moving vehicle, hitting a mailbox, colliding with a tree and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for 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 claims such as a broken windshield, damage from flooding, falling objects, rock chips in glass and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for rehabilitation expenses, doctor visits, funeral costs, pain medications and nursing services. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Dodge Dart.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for liability

This protects you from injuries or damage you cause to other’s property or people by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like funeral expenses, medical services and emergency aid. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Knowledge is power

Cheaper insurance coverage can be found both online and from local insurance agents, so you need to quote insurance coverage with both in order to have the best price selection to choose from. There are still a few companies who may not offer online rate quotes and usually these smaller companies only sell coverage through independent agencies.

While you’re price shopping online, never reduce coverage to reduce premium. In many cases, consumers will sacrifice liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at the best price.

You just read some good ideas how to save on 2015 Dodge Dart insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding cheaper insurance coverage. Consumers may even find the best rates are with the smaller companies.

Additional information can be read at the links below