2013 Dodge Dart Car Insurance Quotes

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.

Smart buyers know how to find auto insurance at a discount

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.

• Do you know you’re credit score? – An insured’s credit rating will be a significant factor in calculating your auto insurance rates. If your credit leaves room for improvement, you could pay less to insure your 2013 Dodge Dart by taking the time to improve your credit score. Drivers with high credit scores tend to be more responsible and file fewer claims than drivers with lower credit ratings.
• Vehicles with better crash test results means better rates – Safe vehicles can get you lower premiums. Vehicles engineered for safety reduce the chance of injuries and any reduction in injury severity means less claims paid and thus lower rates.
• Claim-free discounts can add up – Companies award the lowest premiums to drivers who do not file claims often. If you are a frequent claim filer, you can definitely plan on higher rates. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• Small coverages can add up – There are many extra coverages that may not really be needed on your auto insurance policy. Add-on coverages like vanishing deductibles, accidental death, and motor club memberships may not be needed and are just wasting money. These coverages may sound good when buying your policy, but your needs may have changed so eliminate them to save money.
• What are good liability coverage limits? – Your auto insurance policy’s liability coverage kicks in if you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense coverage to defend your case. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
• Bad drivers pay high costs – Only having one speeding ticket can bump up the cost to the point where it’s not affordable. Careful drivers have lower premiums as compared to those with violations. Drivers who have gotten severe tickets such as hit and run, DWI or reckless driving convictions may find that they have to to file a SR-22 with their state DMV in order to legally drive a vehicle.
• Never let your auto insurance expire – Allowing your coverage to lapse is a sure-fire way to increase your auto insurance rates. In addition to paying higher rates, not being able to provide proof of insurance could result in fines or a revoked license. You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Low coverage deductibles mean high premiums – Protection for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Examples of some claims that would be covered would be running into the backend of another car, hail damage, and having your car stolen. The deductibles define how much you are required to spend if a covered claim is submitted. The more you choose to pay out-of-pocket, the less money you will pay for auto insurance on Dart insurance.

Lower rates by qualifying for discounts

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.

• Driving Data Discount – People who choose to allow their car insurance company to monitor vehicle usage remotely such as State Farm’s In-Drive might get better premium rates if their driving habits are good.
• Full Payment Discount – By paying your entire bill at once rather than paying monthly you may reduce your total bill.
• Anti-theft Discount – Vehicles with anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Good Student Discount – Excelling in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
• Multiple Cars – Buying a policy with multiple cars or trucks on a single policy could earn a price break for each car.
• Discounts for Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease on Dart insurance depending on your car insurance provider.
• First Accident Forgiveness – This isn’t a discount exactly, but certain companies will allow you to have one accident before your rates go up if you have no claims prior to the accident.
• Mature Driver Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Dart insurance.
• Sign Online – Some larger companies will discount your bill up to fifty bucks for signing up digitally online.

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.

• Progressive offers discounts including multi-vehicle, good student, online quote discount, online signing, homeowner, and multi-policy.
• Geico may offer discounts for multi-vehicle, anti-lock brakes, membership and employees, military active duty, seat belt use, federal employee, and driver training.
• State Farm may include discounts for student away at school, good student, Drive Safe & Save, anti-theft, and good driver.
• Esurance offers discounts for online quote, safety device, homeowner, good student, claim free, and multi-policy.
• The Hartford discounts include air bag, driver training, good student, bundle, and vehicle fuel type.

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.

Auto insurance is unique, just like you

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.

• How high should my medical payments coverage be?
• Should I buy additional glass protection?
• Where can I find DUI or SR-22 insurance?
• Are rock chip repairs covered?
• Am I covered if I crash into my own garage door?
• Should I waive the damage coverage when renting a car?
• How does medical payments coverage work?
• Do I pay less for low miles?
• Does my liability insurance cover pulling a trailer or camper?

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.

Insurance coverage breakdown

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.

More comparisons equals lower rates

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:

• Property Damage Coverage (Liberty Mutual)
• Rollover Crash FAQ (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Winter Driving (Insurance Information Insitute)
• All About Airbag Safety (State Farm)
• What to do at the Scene of an Accident (Insurance Information Insitute)