Save on 1993 Dodge Daytona Car Insurance Rates

Consumers who are new to the process of shopping for auto insurance online could find sourcing the cheapest insurance is harder than they anticipated.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Locating the lowest cost car insurance coverage can be fairly easy. But drivers need to have an understanding of the methods companies use to market insurance on the web and use this information to your advantage.

Get cheaper rates by receiving discounts

Car insurance companies don’t always publicize all disounts in a way that’s easy to find, so we break down a few of the more well known and the harder-to-find credits available to bring down your rates.

• Waiver for an Accident – Not a discount per se, but a handful of insurance companies will turn a blind eye to one accident before hitting you with a surcharge so long as you haven’t had any claims prior to being involved in the accident.
• Life Insurance Discount – Select companies reward you with a small discount if you purchase some life insurance in addition to your auto policy.
• Anti-lock Brake Discount – Vehicles with ABS and/or traction control can reduce accidents and the ABS can save up to 10%.
• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
• Telematics Discount – Insureds who allow their company to analyze driving manner by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if their driving habits are good.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way.

Some of the insurance companies that possibly offer many of the previously listed discounts possibly include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

It’s a good idea to ask all the companies to give you their best rates. Depending on the company, some discounts may not apply to policies in your state. To locate insurers that offer discounts, click here to view.

Smart buyers can lower insurance rates

A large part of saving on car insurance is knowing a few of the rating criteria that help determine your premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you lower car insurance prices.

• Less chance of injury means lower car insurance rates – Safer cars tend to have better insurance rates. Safe vehicles have better occupant injury protection and reduced instances of injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Dodge Daytona scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Being married pays dividends – Having a spouse can get you a discount on your car insurance bill. Marriage translates into being more stable financially and insurance companies reward insureds because married couples file fewer claims.
• Protect yourself with liability insurance – A critical coverage on your policy, liability insurance is the coverage that protects you if you are responsible for damages from an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Liability insurance is pretty cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
• Rates for guys may be higher – Statistics show women tend to be less risk to insure than men. This data doesn’t prove that women are BETTER drivers than men. Females and males have auto accidents at a similar rate, but men tend to have more serious accidents. Men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.

Your car insurance coverage should be tailored to you

When choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions might point out whether or not you may require specific advice.

• When should my teen driver be added to my policy?
• Can my teen drive my company car?
• Am I covered if I drive in a foreign country?
• What are the financial responsibility laws in my state?
• When should I drop full coverage on my 1993 Dodge Daytona?
• Is a fancy paint job covered?
• Does my policy cover me when driving someone else’s vehicle?
• Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form.

Can you really save that much by switching?

State Farm, Allstate and Geico continually stream television, radio, and online ads. They all make the same claim about savings if you change your coverage. How is it plausible that every one can give you a better price? This is the way they can do it.

Car insurance companies provide the lowest rates for the type of driver that will not have excessive claims. An example of a profitable customer could be over the age of 35, has never had a claim, and drives a safe vehicle. A driver who fits that profile receive the lowest rate quotes and will cut their rates substantially.

People who do not meet the ideal profile will be quoted a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone who quotes” save that kind of money. That’s why insurance companies can claim big savings.

This really emphasizes why you need to get insurance quotes as often as possible. It’s not possible to predict which insurance companies will have the best prices for your profile.

Car insurance coverage options for a 1993 Dodge Daytona

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Comprehensive coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, a tree branch falling on your vehicle, a broken windshield, hitting a deer and falling objects. The maximum amount a car 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 consider removing comprehensive coverage.

Collision coverage – Collision coverage pays for damage to your Daytona resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, doctor visits, ambulance fees and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverage – This coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like emergency aid, bail bonds and court costs. How much coverage you buy is up to you, but buy higher limits if possible.

Money doesn’t grow on trees

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. Too many times, consumers will sacrifice liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible for the lowest cost.

A few companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents. Budget-conscious 1993 Dodge Daytona insurance is attainable from both online companies in addition to local insurance agencies, so you should compare both to have the best selection.

Consumers change insurance companies for many reasons like high rates after DUI convictions, being labeled a high risk driver, unfair underwriting practices or even extreme rates for teen drivers. It doesn’t matter why you want to switch finding the right car insurance provider is less work than it seems.

Much more information about car insurance can be read on the following sites:

• Auto Insurance 101 (About.com)
• Cellphones, Texting and Driving (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Coverage Information (Progressive Insurance)