Want cheaper car insurance rates for your Dodge Dart? Comparing auto insurance quotes online can be a challenge if you haven’t ever used online quoting. But don’t surrender to high rates because finding affordable coverage online is easier than you think.
If you have car insurance now, you will be able to reduce your rates substantially using these techniques. The purpose of this post is to introduce you to how to get online quotes and some tricks to saving. But drivers do need to understand the way companies compete online and apply this information to your search.
It’s important that you understand some of the things that come into play when calculating your premiums. When consumers understand what determines premiums, this allows you to make good choices that can earn you big savings.
Companies offering auto insurance don’t necessarily list every available discount in an easy-to-find place, so the following is a list of a few of the more well known in addition to some of the lesser obvious ways to save on car insurance.
You should keep in mind that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way.
Popular car insurance companies and their possible discounts are outlined below.
Before you buy a policy, ask all companies you are considering how you can save money. Depending on the company, some discounts may not apply to policyholders everywhere. To choose companies that offer the discounts shown above, click here.
When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different.
For example, these questions may help highlight if you would benefit from professional advice.
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2013 Dodge Dart.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Liability coverage
Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.
Liability coverage pays for claims like structural damage, court costs, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.
Comprehensive coverage (or Other than Collision)
This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as vandalism, falling objects, hail damage, a broken windshield and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Insurance for medical payments
Coverage for medical payments and/or PIP kick in for bills such as pain medications, hospital visits, doctor visits, nursing services and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
Collision coverage protection
This covers damage to your Dart from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as rolling your car, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.
As you shop your coverage around, make sure you don’t buy poor coverage just to save money. Too many times, an insured dropped liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. The goal is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
We’ve covered many ways to lower your 2013 Dodge Dart insurance prices. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheap auto insurance. Drivers may discover the best price on car insurance is with a smaller regional carrier.
Drivers leave their current company for a variety of reasons including delays in paying claims, unfair underwriting practices, policy non-renewal and even not issuing a premium refund. It doesn’t matter why you want to switch finding a new company is not as hard as you think.
More tips and info about car insurance is located in the articles below:
Calandra Collier
Proud to be from Warwick, Rhode Island. Not sure of all the companies but I ended up saving about $30 each month. Was with Safeco.
Cortez Chang
I’m in the suburbs of Kailua, Hawaii. Got car insurance prices from State Farm, Encompass, and The General for my 2013 Dodge Dart and saved $242 a year.
Veta Morrow
I’m in the east part of Cedar Rapids, Iowa. I quoted with GEICO, Amica, Esurance, and Hanover for my Dodge and saved $447 a year. Ask about discounts.
Apolonia Chen
IT’S ALL TOO EXPENSIVE! I live in Mobile, AL. I got free prices from Mercury, Eastwood, GEICO, and AIG Insurance for my Dart and saved $367 a year. Insured with 21st Century before. I get multi-vehicle and multi-policy discounts.
Jerica Velasquez
Good detail in your article. I live on the north side of Shreveport, Louisiana. Got prices from GEICO, The General, and Encompass for my Dodge and I’m now saving $39 a month.
Lucilla Blanchard
I’m in Saint Louis, MO. Quoted quotes with 21st Century, Hartford, and Encompass for my Dart and saved just over $420 a year. Was with AAA. Have a couple speeding tickets too.
Barb Sweeney
Got pretty cheap 2013 Dodge Dart insurance from Progressive in Kansas City, KS.
Monty Odonnell
From Idaho Falls, ID. Received quotes with 21st Century, AAA, Erie, and Hartford for my Dart and saved just over $90 a year. I get a discount for insuring multiple vehicles. Can still barely afford it.
Cristal Johnson
I live just to the north of Green Bay, Wisconsin. I quoted with USAA, American Family, Liberty Mutual, and Mercury for my 2013 Dodge Dart and saved $320 a year. Switched homeowners coverage too.
Samatha Kirby
If you have a good history and live around Columbus, GA, check out Progressive. You might get cheaper rates.
Ellan Wall
It’s all a rip off. I live south of Nashua, NH. Got car insurance quotes with Allstate, Auto-Owners, Encompass, and Hartford for my 2013 Dodge Dart and saved $454 a year. They have free quotes online.
Dave Herring
I got quite a few price quotes for a 2013 Dodge Dart in Rio Rancho, NM. Ended up at darn near $280 every six months with Amica. Was with Allstate. Good multi-policy discounts. God forbid I actually have a claim.
Jeniffer Mcmahon
Where can I find cheaper car insurance in Dover, Delaware?
Lilliam Branch
IMHO Billings, Montana seems to have good rates from Allstate.
Joana Castro
Live in Bridgeport, Connecticut. I don’t recall every quote but I ended up saving about $30 each month. Was with MetLife. I used their website to get prices.
Giuseppina Parsons
Just a quick comment on my experience. Found cheapest coverage with Hartford for my 2013 Dodge Dart and saved about $310 a year. Left Farmers to switch.
Lona Levy
Anyone know if Progressive does SR-22s?
Maribel Keller
Will GEICO raise rates for a small claim?
Melissa Mays
I’m in the suburbs of Lincoln, Nebraska. Can’t remember who all I quoted but I ended up saving about $40 each month. Was with Esurance. Just waiting to see how claims go.