Lower Your 2016 Dodge Dart Car Insurance Quotes

Have you had enough of trying to scrape together enough money to keep your car insured? You’re in the same situation as many other consumers.

Due to the increasing number of choices, it can be diffult for drivers to locate the most cost effective insurance company.

Finding affordable coverage is not that difficult. Just about everyone who carries insurance should be able to reduce their rates. But consumers need to have an understanding of how the larger insurance companies sell insurance online.

Cheap insurance quotes

Most major insurance companies such as Allstate, GEICO and Progressive provide prices for coverage direct online. Obtaining pricing doesn’t take a lot of time as you simply enter the amount of coverage you want as detailed in the form. When the form is submitted, the system automatically retrieves information on your driving record and credit history and generates a price. This simplifies rate comparisons, but having to visit several different sites and fill out multiple forms can be a bit repetitive. Unfortunately, it is important to perform this step if you are searching for the best price possible.

The easy way to compare rates

A better way to lower your insurance bill makes use of a single form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes online price comparison a little more enjoyable. As soon as you send your information, your coverage is rated and you can choose any one of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and buy the policy. This process takes 15 minutes at the most and could lower your rates considerably.

To save time and get comparison pricing now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in coverages and limits identical to your current policy. Doing this assures you will be getting a price comparison for similar coverage.

But the ad said I’d save 15% in 15 minutes!

Popular insurance coverage providers such as Allstate, GEICO and Progressive endlessly run ads in print and on television. All the companies advertise claims of big savings if you move your insurance coverage coverage to their company. How does every company have lower policy pricing? It’s all in the words they use.

Companies give the cheapest rates for the type of driver that earns them the most money. For instance, this type of insured may be between the ages of 30 and 45, is a homeowner, and the vehicle is rated for pleasure use. Anyone that meets those criteria will qualify for the lowest premium rates and have a good chance to cut their rates substantially.

Drivers who do not match these standards may be forced to pay higher premiums and this can result in business not being written. If you pay close attention to the ads, they say “customers that switch” not “everyone who quotes” save money. This is how companies can claim big savings. Because every company is different, you should compare free insurance coverage quotes often. It’s impossible to know with any certainty which company will fit your personal profile best.

Discounts for cheap car insurance rates

Some companies do not list every disount available in an easy-to-find place, so the below list has some of the best known and the more hidden savings tricks you should be using when you buy insurance coverage online.

  • Discount for Low Mileage – Keeping the miles down on your Dodge could earn better rates on cars that stay parked.
  • Multiple Cars – Having multiple vehicles on one policy qualifies for this discount.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you may earn at least 10 to 15 percent or more.
  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home may be able to be covered for less.
  • Accident Waiver – Not necessarily a discount, but companies like Allstate, Progressive, and GEICO allow you one accident without getting socked with a rate hike if you are claim-free before the accident.
  • Renewal Discounts – A few car insurance companies allow discounts for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.

Don’t be shocked that some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

To find car insurance companies that offer the discounts shown above, click this link.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

  • Do I need medical payments coverage since I have good health insurance?
  • Does liability extend to a camper or trailer?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why does it cost so much to insure a teen driver?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving a rental car?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your policy

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages available from car insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like prosthetic devices, ambulance fees and doctor visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverages

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, attorney fees and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Dodge Dart.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, vandalism, hail damage, damage from a tornado or hurricane and a broken windshield. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This pays for damage to your Dart from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, rolling your car, crashing into a building, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

You can do this!

When you buy insurance coverage online, do not skimp on critical coverages to save a buck or two. There have been many situations where an insured cut liability coverage limits to discover at claim time they didn’t have enough coverage. The proper strategy is to find the BEST coverage at the best possible price, but don’t skip important coverages to save money.

A few companies may not have price quotes online regional insurance providers prefer to sell through local independent agencies. Budget-conscious 2016 Dodge Dart insurance can be purchased both online as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from.

Much more information about auto insurance is located on the following sites: